Looking to refer a friend to an Amex card. Should I take the 10k membership rewards points or 20k bonvoy points for the referral?

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10K Amex > 20K Bonvoy

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10,000 AMEX points will get you at least a $100 gift certificate and can be used for a lot more things than hotel points.

Amex MR offers better value if you’re looking to transfer to airline partners, too. 10K Amex points = 10K airline miles. Bonvoy transfers at 3:1, so 10K Bonvoy = 6,666K airline miles

Oops. I meant to say 20K Bonvoy = 6.66K airline miles

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