I have an AmEx card, but I don't want to refer that card to a friend (I don't think he could use it). But, I know a card of AmEx's he can use, but I don't have it. Can I somehow refer him to this card, rather than the one I have, and get a referral fee? Or, no, just on the card I have? Thanks.
This was a recently added feature to Amex, but the answer is yes. Let's say you have a Delta Gold SkyMiles card and an offer for 10,000 SkyMiles for referring a friend to the card. When they click your link it will say that you have referred them for the Delta SkyMiles Gold card, but they can also click to explore other options. As long as they then sign up for a card using the link you sent and get approved, you still get the 10,000 SkyMiles (or Membership Rewards or points or dollars depending on your card), even if they sign up for a Gold Card or Business Marriott, or Cash Magnet. Both personal and business cards are eligible, as well. Once you generate your referral link, you can open it in an incognito browser tab and see exactly what your friend would see. Amex referral bonuses arrive very quickly as well.