List of cards that offer referral programs


AMEX (Most of their products)

*Platinum, Both Personal and Business

*Premier Rewards Gold

*Delta Gold/Platinum, Both Personal and Business ( NOT SURE about the Reserve)

*Everyday/Everyday Preferred

*BlueCash/BlueCash Preferred

*Starwood Preferred Guest, Both Personal and Business

*Hilton HHonors/HHnors Surpass

*Business Gold Rewards



*Freedom Unlimited

*Sapphire Preferred

*United MileagePlus Explorer

*Southwest Rapid Rewards Premier/Plus

*Disney Rewards

*Marriott Rewards Premier

*Ink Cash/Plus/Preferred

Bank of America

*Cash Rewards

*Alaska Airlines

US Bank

*Flexperks Travel Rewards/Gold/Select+ (Use the Flexperks account number)


*Discover IT/Chrome

*Discover IT Miles, according to my reader (until at least the end of 2017)


*Arrival+ (Targeted offer in the past)


*Never had a referral program

Other Banks that probably don’t have a referral program


*Wells Fargo

*TD Bank



*Banco Popular

*City National Bank




Note that referred credit card offers are not necessarily the best you can get (mostly for AMEX cards). AMEX does offer the same for both referred and public application when there is a promotion. Otherwise, you can still find targeted offer links or use the “incognito” browser trick or the VPN trick to find those.