Posted by Chuck on April 9, 2019
Credit Cards

Published on April 9th, 2019 | by Chuck

31

[YMMV] American Express Gold Pre-Approved 50,000 Points Signup Bonus with No ‘Lifetime’ Language

Update 4/9/19: This deal is also being sent out via e-mail. Subject line is ‘<name>, what would you do with 50,000 Membership Rewards® Points?’

The Offer

Direct Link to offer (this might work – requires login)

Some people are seeing in their American Express login within the Amex Offers section an offer to ‘Go Gold’ and signup for the American Express Gold card. The offer shows them as ‘pre-approved’ and the terms show no lifetime language.

  • Get a 50,000 points signup bonus when spending $2,000 within 3 months.

Card Details

  • Annual fee of $250 NOT waived first year
  • Card will earn at the following rates:
    • 4x points at U.S. Restaurants
    • 4x points at U.S. supermarkets (up to $25,000 in spend per calendar year)
    • 3x points for flights booked directly with airlines
    • 1x points on all other purchases
  • $120 dining credit. This is a $10 monthly credit that can be used at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Shake  Shack
  • $100 airline fee credit
  • No foreign transaction fees

Full American Express Gold card review can be found here.

Our Verdict

Reader OC saw this ‘Go Gold’ offer on their Amex Blue Cash card, and I checked and see the same thing on my personal Amex Blue Cash cards. Not sure if it’s specific to Blue Cash or it’s showing on all personal Amex cards. YMMV, it may only be showing for some people. You can also try using this link after logging in, let us know if it works.

The Gold card is still available with the 50,000 points signup bonus on $2,000 spend (that seems to be the regular offer now), but of course it has the lifetime language. If you find this Go Gold offer in your login, it would appear to be exempt from the lifetime language. In the past, there was a similar offer available, with the addition of 20%/$100 back at restaurants; that additional restaurant bonus is no longer around.

Typically, you’d do better applying via referral link, even self-referral, but if you’ve already had the Premier Rewards Gold card and thus aren’t eligible for the signup bonus on the Gold card, this is a good option. Readers confirm that in the past whenever you get targeted with a no lifetime offer, it actually works in practice. Just be sure to double-check for yourself that there is no lifetime language showing. And check out these Things to Know about American Express before applying.



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Benigno
Benigno

Ive heard that Amex has a 5 card max limit. Is this true? If so I will have to call and cancel first if I’m targeted

Jags
Jags

5 credit card. This is a charge card and there are no limits.

Benigno
Benigno

Awesome. That means I technically have four since one of my cards is the Plat. Thanks

Ultimate Arsehole

No, that’s not what it means, at least I’m not sure that you’ve communicated it clearly. To clarify:

You can have up to 5 credit cards AND as many charge cards as Amex will approve you for.

For example, if you have the Platinum Card (a charge card), you could apply for the Gold Card (another charge card) and still apply for 5 credit cards (like the Blue Business Plus, any of the cobranded cards, the Everyday Preferred etc) before hitting Amex’s limits.

One
One

Are the Amex Hilton and Hilton ascend part of the 5 Amex cards limit?

ngochienbo
ngochienbo

Yes.

David
David

By now I’ve seen plenty of posts with this “No lifetime language” stuff… But the question is, is there some type of polling for previous owners that have or have not gotten the bonus? I’m at a point where my last PRG was about 3 years ago, so I’m starting to get interested in potential churning if it’s possible.

mia
mia

AMEX targeted offers that is DIRECTLY offered to you – under the log in, thru an email or a snail mail, do not have the lifetime language.

I am currently on my 3rd Gold card (prev PRG), EACH was from a targeted offer. In fact on the current one I still got offer AFTER I had the card for 2+ months already. Read about others had that and went ahead to apply, got the bonus on the 2nd concurrent one as well.

The system only goes by what conditions are written on YOUR OWN offer. Using those links to check if you are eligible, often turn into Fool’s game but if you indeed received YOUR OWN OFFER, you are Golden. No punk intended.

BUT_WHY_MALE_M0DELS
BUT_WHY_MALE_M0DELS

i signed up for 2 delta biz cards 3 months apart. exact same NLL but different targeted promotion periods. got both bonuses with both cards still active.

AKSF
AKSF

I’ve signed up for half a dozen+ offers with Amex (Plats, Golds, etc) that didn’t have lifetime language, and have never had issues with bonus.

Dan
Dan

is it possible to get a 2nd GOLD card this way?

AKSF
AKSF

You can get a second Gold at any point; Amex will approve a card that you already have. Bonus depends on whether the offer has lifetime language or not.

If you sign up with offer that has lifetime language, you’d get approved but no bonus. If you got an offer like the one from this post, you’d get the bonus.

Em
Em

Last question: are folks getting a hard pull from this offer? I have a long-established relationship with Amex and a fairly aggressive application habit, so I often, but not always, do not get a new hard pull. Trying to figure it out because it seems a bit random when I check my Experian.

Liam
Liam

No hard pull with AMEX. I had blue cash and I applied last Oct for Gold, and I just applied for Delta Gold and no pull on both. I watch all my credit report. And AMEX use Experian and no pull on any 3.

AKSF
AKSF

Lock your credit reports before applying. If they want to pull they’ll try and application will go pending. Then you can decide whether you want to proceed (by unlocking) or not. Or if they don’t try to pull, then you’re all set. I’ve gotten 20+ cards approved with Amex while credit reports were locked.

Em
Em

Good idea; I’m lazy about locking in general but this offer is totally worth the extra step. Thank you.

Marshall
Marshall

pre approved Platinum card doesn’t have the once in a life language as well FYI.

zagguru
zagguru

Whats the platinum offer?

AKSF
AKSF

When I go to link and login I get:

“We apologize that the offer you are looking for may no longer be available.”

Same thing if I log in first and then paste in URL.

Currently have a Gold so that might be why.

OK216
OK216

Seems to work for me, though I haven’t applied yet. The bonus is just a short blurb at the bottom of the application under the Apply button, which I thought was weird. Is that normal?

PoorChurner
PoorChurner

Nothing on my ED, free Hilton, Bonvoid or Green card.

Brian K
Brian K

Was not targeted on any of my cards, but that link in the post worked. Thanks Chuck!

I have had the card before (closed it a year or so ago) and currently have 7 other Amex cards.

Oliver
Oliver

I just got targeted for the Pre-approved platinum card with 60k offer, the offer only appears under the Everyday Card. There is no “lifetime” stuff in the terms, so this offer would not affect me getting the normal welcome offer of the Platinum card.

AL
AL

That’s not how it works. If you apply for the preapproved offer, you will be denied the bonus on the normal offer later. The strategy is to apply through normal offers first, then through offers with no lifetime language later on to get the signup bonus again.

One
One

I’m seeing an offer to upgrade to Platinum under the offers list like Chuck shows and if I go to Menu > Cards > Offers (wording not accurate from memory) – I see the 50k Gold offer, both no lifetime language, now the question is, how and where do I go to apply for those cards WITH lifetime language so that then I can apply through the prequalified without lifetime and capitalize on both? Any steps suggestions highly appreciated.

Also, is Platinum worth the AF in comparison with Gold? I usually compare the AF to the value of the bonus and the Platinum AN eats way too much out of the the dollar value of 60k points. Any input or opinions?

Frank P
Frank P

“Offer no longer available” for me

Wyle
Wyle

I got the same offer in an email on 3/26. Subject was “(name), you could be earning 4X points when you dine out”.
AF not waived. Includes the dining and airline credits.

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