Are You Eligible For a Sign Up Bonus If You Are an Additional Cardholder of Another Card?

by on September 15, 2013 · 9 comments

in American Express, Sunday Reader Questions, Video Blog Post

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Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here
TPG follower Holly tweeted:

@thepointsguy I’m additional cardholder of my husband’s American Express Platinum – am I still eligible for the Mercedes-Benz Platinum sign up bonus?”

Just this week I wrote about how Amex recently changed its sign-up bonus rules for existing cardholders and what that might mean for your future applications with them. That’s why, especially with American Express, I always recommend looking at the exclusions in the Terms and Conditions of the application page.

Those on the Mercedes-Benz Platinum were just changed to exclude certain other Amex cardholders from getting the sign-up bonus. For instance, if you’ve had another product in the past year like the American Express Green Card or the Platinum Card, the new terms state that you are not eligible for the card’s sign-up bonus. That’s too bad, because the Mercedes-Benz Platinum card which is currently offering 50,000 points after $3,000 spend within 3 months, the application page states “Welcome bonus not available to applicants who have had a Platinum Card within the last 12 months or any Consumer ZYNC®, Green or Gold Card account within the last 90 days.” If you happen to be a primary cardholder for any of the cards listed, be sure to close your account and wait for the required amount of time before applying for a new offer.

However, being an additional cardholder will not exclude you from getting the sign-up bonus yourself.  In their system when you’re an additional cardholder, you won’t be listed as having the primary account so whenever you do apply to have a primary account of your own you will be eligible for that bonus.

To my knowledge this is true with every card issuer, not just American Express so as long as you are an additional cardholder you will not be excluded from a sign up bonus when you apply for that product down the line. I hope that answered your question, but if not please tweet me @thepointsguy!

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • lamonster

    very relavent topic for me…I just called up Amex this week asking that same question and they said the same thing…but it is helpful to hear this from you as well…gives me more confidence next time there is a good sign up bonus to go for it

  • Jose

    TPG, How bout a business versus a personal card?

  • Jared

    Wow a question that has been asked and answered many times over on a million different sites. Seems like your readers don’t know how to use google. Either that or you are struggling to come up with material.

  • Ben Price

    Oh common. Quit being a stickler. Not everybody scans 20 travel hacking sites a day and is a regular contributor to FlyerTalk. It’s a question we’ve all had before.

  • Travel bill

    What are the reward levels for Platinum Amex? I got a 25k bonus after spending 40k, but never see this advertised anywhere. What are the levels?

  • Rasputin

    Thank you. I was wondering the same about having my wife apply for a few cards.

  • Donnie Law

    I used to worry about the same thing. My wife applies for cards all the time and adds me as a cardholder on everyone. I’ve also been able to get the bonus on my own in every case.

  • Jared

    Like I said in my original post. USE GOOGLE. Its really not that hard. If someone reads this blog enough to email a question, I’m sure they know how to use google. Then again, I’m pretty certain this entire series of articles with questions is fabricated to begin with.

  • Shh

    I found this post from Google, glad I did. Thanks for the advice Jared! /sarcasm

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