Posted by William Charles on February 20, 2017
Credit Cards

Published on February 20th, 2017 | by William Charles

36

How To Determine If You’re Eligible For A Second (Or Third, Etc Etc) American Express Bonus

American Express cards now clearly contain the following language on their application pages:

Welcome bonus offer not available to applicants who have or have had this product.

You’d think that language would make who is and isn’t clear cut, but you’d be wrong. There are a number of things to take into account.



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Son
Son

Yup. I got a targeted AMEX BRG with no “once in a lifetime” wording (I already got a BRG bonus before), signed up, complete spend, received 50k MR within 1 day. 3 Days later, got an email from AMEX, and the 50k MR bonus was clawed back. Called AMEX, and they didn’t care that the targeted offer did not have the wording. She straight out said,”no matter what, you are not getting the points back”.

robert
robert

same happen to me…
nothing I can do

Ron
Ron

it happenend to me as well…

Dima
Dima

How long ago did this happen?

Son
Son

2014 BRG bonue
2015 Convert to Business Plat.
2016 Cancel Business Plat
one month later BRG.

Logan
Logan

Thats interesting. Did you file to CFPB and show proof of the targeted mailer you got?

Ron
Ron

Yes but no helps

Mh
Mh

It’s BGR just to clarify.

JoeBlack89
JoeBlack89

What is a recommendation for how long to keep an Amex credit card open? I value my relationship with Amex and don’t want to unnecessarily close an account, but I may need to later this year to open a new account. Because of the five credit card limit. I would be just over eight months into having the card I’m looking at closing–a regular Hilton card.

Thanks in advance!

Logan
Logan

What I do and I may have gotten lucky is my oldest card I have opened with Amex is a $0 annual fee Blue Cash card. I keep it open and never plan on closing. I try to cycle out the other 3 (now 4) cards that have annual fees and close them yearly if I dont find the annual fee is worth it.

Marc
Marc

Well, it looks like the post needs to be updated. You cannot advise people to do this, and take a hit, without acknowledging data points that are to the contrary.

Zack
Zack

Is it 7 years from closing card or recieving bonus?

MarcoPolo
MarcoPolo

I received an offer in mail for PRG 50,000 points after 3000 spend.
I was thinking of applying since it doesn’t have the language of once in a lifetime bonus.
After reading people’s experiences I won’t apply.
thanks everyone for the DP.

Shalabh
Shalabh

I received a 25000 MR/$1000 spend after cancelling my PRG. Applied and received the points.

yussuf
yussuf

I feel like the biggest idiot. I logged into my blue cash account several days ago and saw a pop up on top saying “get 75,000 MR points with the BGR after spending 5,000 in three months” Thought it was universal and ill just apply later….KILL ME

Ed
Ed

I followed your advice and got the list via chat. The SPG AMEX which I had previously (8 years ago) did NOT show up, which is a datapoint confirming the unofficial 7 year AMEX “prior account memory” rule.

A few questions: if I apply and am accepted for the SPG AMEX, do I receive something similar to the CITI welcome letter which confirms the bonus? If not, do I call a rep and confirm prior to any spending? Based on recent blogs do you consider MS to be dangerous now with AMEX? And, if still worth the risk, is it less likely to detect at grocery/drug and/or with total not ending in 95 cents? Thank you. P.S. You are number 1 in terms of my daily reading. My time is limited, you are well worth it!

yhgfkj
yhgfkj

Regarding Getting The Same Business Credit Card Multiple Times With Different EIN,
here your saying ” The short answer is that it does work if you use a different tax ID”
but in the comment’s on the earlier post there are few non success story’s, think we are still unclear ?

Dan K
Dan K

Amex clawed back the 100,000 bonus points on the personal Platinum card I recently picked up. Customer service is grouping the Platinum with Business Platinum as one product and maintaining that I’m ineligible for a second bonus on the same product. Have you ever heard of this and is there anything I can do about it?

Son
Son

That’s messed up. I am sure you’re the guy that posted on Reddit. I am the guy that is worried that they will claw back or not pay out my 50k PRG to Platinum upgrade because I had the Business Platinum.

Son
Son

And I just thought about it. If they are going to say the business and the personal is the same product, then what about the SPG personal and Business.

It seems like it’s only MR, and that the reps there will straight out tell you that you won’t get the MR bonus or get the clawed MR bonus back, no matter who you talk to.

Mark
Mark

Any advise on MSing successfully on Amex cards? I have a business platinum and need to spend 5K in 60 days. Can I buy WM VGC here and there along with other groceries? So charges will never be the same. All I need to buy is 10 over a period of 2 months.

Son
Son

Probably not the right thread for Msing your minimum spend. And I recommend you don’t MS your minimum spend. AMEX might look at it, and not pay out.

Bill S
Bill S

Thoughts on this:
8/2006 – Received Amex SPG Personal Card bonus. Kept this card until 8/2016.

10/2016 – Opened new SPG Personal Card just to have it for a year w/o AF. Did not attempt minimum signup bonus spend, believing I was ineligible. Was that wrong?

If I close SPG Personal Card #2, wait a month & reapply would I be eligible for the signup bonus since it’s been over 10 years since I received the bonus, even though it’s been less than a year since I closed the card that received that bonus?

Gary
Gary

You would have to have closed it 7 years ago.

Bill S
Bill S

Thought so. Thx.
In hindsight I should’ve closed it/ reapplied every year I didn’t get a retention offer.

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