At American Express, we know that one of the best ways to attract new customers is through referrals from satisfied customers. People trust the opinions of their friends and family members, and we’d like to figure out how to get more American Express cardmembers to encourage their social circles to become a cardmember and use our services.

In the past, we’ve incentivized cardmembers to get their friends to sign up by offering points and rewards, but usage of our referral program is relatively low. We know there are more creative methods that could be explored.