How does the American Express Refer a Friend program work?

@garret_hahn 

The American Express Refer a Friend program allows existing American Express cardholders to refer their friends and family to apply for an American Express credit card. Here's how it works:

1. Eligibility: To refer someone, you must already hold an American Express card with a membership rewards program.
2. Referral Link: Log in to your American Express online account and look for the "Refer a Friend" option. Generate a referral link to share with your friends.
3. Share the Link: Send the referral link to your friends via email, social media, or other communication channels. Alternatively, you can provide your friends with your referral code, which they can enter during the application process.
4. Application Process: Your friends must use the referral link or code when applying for an American Express card. Make sure they meet the eligibility criteria for the specific card they are applying for.
5. Approval and Spend: If your friend is approved for the card and spends a certain amount within a specified time frame (usually in the first few months), both you and your friend may earn rewards. The exact reward details can vary based on the specific offer at the time of referral.
6. Reward Allocation: Once your friend fulfills the spending requirements, the referral bonus will be added to your and your friend's American Express rewards account. These rewards can typically be redeemed for various benefits, such as statement credits, travel, or gift cards, depending on the card and the available redemption options.

It's important to note that the specific terms and rewards can differ depending on the card and the current referral offer. Always check the terms and conditions of the referral program to understand the exact details and any limitations that may apply.