Source
r/amex•
HotCredit

Signup bonus lifetime rule

Hi Guys, I’ve been seeing/hearing different DP’s re: the only once Amex signup bonus lifetime rule.

Some say its limited to a family of cards like the Hilton cards others say its for a specific card (like aspire vs ascend) anyone care to clear this up? I currently have no Amex cards until i clear this up thx!

PS i still think the rule applies for a specific card. If you had it in the past that makes you ineligible for a signup now unless the specific language in your CM agreement says otherwise.

Posted Nov 4, 2018, 11:22 PM UTC

212
KatzDeli•

It’s per specific card. If you apply online, AMEX has a pop up asking you if you’re sure you want to proceed if you will not be eligible for the bonus.

Also in most cases, AMEX has considered a “lifetime” to be 7 years and then you are eligible for the bonus again.

3
raitsuke•

Hi! Just want to clarify. Does it mean 7 years from the approval date? Thanks!

1
HotCreditOP•

Thanks! Thats very nice of them and it confirms other research ive done today. Haha didnt know about the “lifetime” being 7 yrs just curious did u close an account with them and then reapply later on to get the signup bonus?

1
KatzDeli•

I did get the bonus on a card twice but it wasn’t really planned to be eligible for the bonus. I closed the account and they sent me an invitation with a welcome offer so I reapplied. It was over 10 years between cards though.

2
bwc101•

7 year just seems to be a common data point for what worked out, not something considered to be in compliance with their terms.

1
KatzDeli•

Hence, why I said most cases.

1
bwc101•

I think it is per specific card, but if you have ever had that card before, you wouldn't be eligible. That means if you have upgraded or downgraded another card to a particular card before, then you wouldn't qualify for the bonus if you were to apply for that card as a new account, whether or not you got a bonus for doing so. Also, if you were initially eligible for the bonus on a new card, but failed to get it because you didn't meet the minimum spend, then you would not be eligible for the bonus on that card again.

I heard AMEX warns you if you won't qualify for a bonus, asking if you are sure you want to proceed with your application.

2
GlitchedSouls•

You're correct, it is per card, not the card family.

1
HotCreditOP•

Agreed! Everything you’ve said matches my DP’s and thoughts. sigh anti churning rules!

2
intervested99•

Like many has mentioned, I think it's for a specific product/card. So Personal Platinum, Business Platinum, or Charles Schwab platinum, etc. would be different products and you can get the bonus each one.

2
tobzere•

Here in the UK, I asked if i could go from the everyday to the gold, and they warned me i wouldn't be eligible for any further bonuses. So maybe in the US it still goes on, but here in the UK they seem to have changed their rulings.

1
HotCreditOP•

Fair enough! Seems they wanted you as a customer again!

2