Posted by William Charles on August 28, 2018
Credit Cards

Published on August 28th, 2018 | by William Charles

57

American Express SPG Luxury Card $300 Credit Does Apply On Upgrade Offers In The First Year

In our post ‘AmEx SPG Luxury Card Upgrade Offers: Worth A Second Look‘ we talked about why upgrading might make sense. The main reason was that you receive a prorated annual fee in your first year based on your card anniversary date and the $300 credit is based on that anniversary date. This means you could pay a few months of the annual fee and still get the $300 credit and then get a new $300 credit when the next annual fee kicks in.

There were a lot of readers that were concerned that you don’t actually receive the $300 credit in that prorated card year. I was confident this wasn’t the case as the terms are clear that it would apply. Despite that front line representatives were insistent that the $300 credit wouldn’t apply. There is now a datapoint on Flyertalk of somebody receiving the full $300 credit on an upgrade offer. Hopefully this creates some peace of mind for those considering this upgrade offer angle.



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Dylan
Dylan

Thanks William. You have been doing this long enough that your opinion is usually correct, especially when it’s in the T&C! Lol.

Drivesabrowntruck
Drivesabrowntruck

Thanks for the update, makes the decision to upgrade much easier.

Dave
Dave

Thanks for sharing. An amex rep confirmed this to me over the phone before I upgraded, as well

ddyvas
ddyvas

Could we purchase GC online to get reimbursement? I don’t have travel plan before my anniversary date especially there is only 10 days…

Dave
Dave

Report back if you try this

Sami
Sami

Was on the fence about this but this may have pushed me over the edge to upgrade.

I’m an SPG Personal and Biz Amex holder. Put a bunch of spend on the SPG personal to get the signup bonus before the card went extinct so I’m targeted for the 100k targeted offer.

Not sure what I’d use the points for yet but the statement credit plus the Amex offers could help offset a Caribbean trip with a 7 night cert to a former SPG property I’m hoping to take the wife and baby on in December.

I feel bad for people on the FT thread who are SPG loyalists who spend $100K or more on their cards but have not been targeted for the 100k point upgrade and here I am a churner spending a few thousand on the card and I’ve got targeted for it.

Sami
Sami

also – i got the SPG Personal Amex in April. so I have 8 months until card renewal which I believe means the prorated Annual Fee would be exactly offset by the statement credit. so there’s that too.

Rob
Rob

Me too. Paid my annual fee in April. Not sure if should bite the bullet and upgrade for 100K points

Jay
Jay

You got the card in April 2018? As in applied and approved? And still got the Upgrade option?
This would be a counter DP to everyone that doesn’t have the option to upgrade because of (supposedly) the CARD Act.

Sami
Sami

Yeah applied and approved in April 2018.

Novacat05
Novacat05

I also got SPG Amex in April and got the 100k/$5k upgrade offer. Just over $4200 spend on it since April, I have halted spending on it since the devaluation on 8/1.

If you really do get the full credit for your first partial year, I am considering upgrading for 100k points. I’d have to buy Marriott gift cards since I am not currently traveling right now, but would in the future when the kids are a little older.

Rob
Rob

I got my card last year. I just paid AF in April. Not sure if it’s right thing to upgrade to this or just pass. Any guidance?

cy1111
cy1111

Great information. Hopefully the term can last long enough for me to get an upgrade offer.

Hadley V. Baxendale
Hadley V. Baxendale

William,

Thanks for the notice of the data point.

Not sure I would want to do this as I am in the first year of my card membership and I would want to receive the Free night certificate before doing so.

Now, if I receive the Free Night certificate before getting billed my first annual fee, I think that it is a great proposition — so long as I have a stay coming up, but not so much if either of those 2 things are not operative.

I want to warn many of those who are thinking of buying gift cards, it was our experience that many brands, and many hotels did not sell them — so ask around first before diving deep into this idea.

CJ
CJ

Thanks for the tip. Might be a good idea for similar upgrade offers.

JP
JP

Lol. My anniversary date was 8/17. This won’t help me at all. Right?

Michael
Michael

Fantastic, thanks! Figured you were probably right but having an AmEx rep saying the opposite is always unsettling.

Do we have an answer to if the new Chase/AmEx restrictions apply to an upgrade offer or not yet?

Derek
Derek

I’m not sure Michael, but there is a woman over at Frequent Miler that said she had a 100,000 upgrade offer over the weekend, but that offer has disappeared. I asked her if she has a Marriott or Ritz Carlton card already. Maybe this will be a data point.

Justin
Justin

My AF hits on 11/16 and I have the 100K offer. Anybody think its worth doing the upgrade, paying the pro-rated AF, and then cancelling after the the full AF hits? Could get blacklisted by Amex.

Derek
Derek

Why not just downgrade back down to the $95 fee personal card when the annual fee hits? Would that be allowed?

Justin
Justin

Before any of these upgrades came along, I was planning on cancelling. But… I think downgrading is worth considering if its an option.

kenny
kenny

Think they’ll change the T&C to nuke this? I wouldn’t put it past them… wondering whether to do the upgrade now vs. wait until closer to anniversary date.

RN
RN

Well I’m shocked that I was given the 100k point upgrade offer considering this would give me my 4th signup bonus with AMEX within a year and a half. I’m actually hoping to obtain my free night certificate from my SPG card first and then do the upgrade for 100k points before 10/31/18 plus get the AF prorated.

JK
JK

Has this happened to anyone else?

I submitted an online application on 8/23. Website told me the application was pending. Well, today I called to check, and AMEX could find no record of my application! Online status check likewise shows no SPG Luxury card application.

Rep told me to reapply, but if I do, I’ll be ineligble for the bonus under the terms that went into effect on 8/26.

Scott
Scott

Hey I’m about to pull the trigger on my upgraded SPG Card by buying a $300 gift card at a Marriott here in CA. Any extra data points before I do it?

Thanks!

quasimodo
quasimodo

might want to vary the amount a bit…

Enrico
Enrico

Did you find anyone selling GC?

Tyler
Tyler

I just got the upgrade offer today. 100k/5k, anniversary is in March (got card in ’17). However, I should be ineligible as I got the Marriott Rewards Premier Business earlier this year.

Am I supposed to know about these announcements to not apply, as they just won’t tell me I’m ineligible until after I’ve earned the 100k? Or is there a chance receiving this targeted message means I’m still eligible?

Adam Zook
Adam Zook

I think that ineligibility is related to new apps, not upgrades.

Tyler
Tyler

Hmm, really? Others mentioned needing to upgrade in the eligibility window before the new rules too effect. Perhaps I misunderstood them.

Jerry
Jerry

This really needs clarification, plz help doctor of credit.

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