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Update: Some offers mentioned below are no longer available – Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American ExpressPremier Rewards Gold Card from American Express

TPG reader Chris wants to open up a new American Express card, but is afraid he won’t qualify for the bonus because he already carries some other Amex cards:

“Under the American Express terms of bonus offers it says that you may not be eligible if you are a current American Express customer, but what is that defined as? If I have a Costco American Express and Blue Cash Everyday® Card from American Express, and I canceled my Premier Rewards Gold card a few months ago will I still be eligible for a new bonus after a year or so?”

I would suggest first going to the actual application page of the card that you are looking to apply for.  American Express is usually very good at explicitly stating what card you cannot already have in order to qualify for a certain bonus.

As an example  – the Delta Reserve card says: “Welcome bonus offer not available to applicants who have had this product within the last 12 months or any other Consumer Delta SkyMiles® Credit Card account within the last 90 days.”


This means that you cannot have had the Delta Reserve card open within the last 12 months. If you did, you would have to close the card and wait a full 12 months until you would be eligible to receive the bonus again. You would also be ineligible if you have had any consumer Delta American Express cards, like the Platinum Delta SkyMiles Credit Card from American Express or Gold Delta SkyMiles® Credit Card from American Express, open in the last 90 days. As long as you have not had any active cards that match either of those terms, you shouldn’t have any trouble getting the 10,000 MQMs after your first purchase and the additional 30,000 MQMs after $60,000 spent on your Delta Reserve card within a calendar year.

Call American Express customer service to ensure you are eligible for a bonus offer.
Call American Express customer service to ensure you are eligible for a bonus offer.

When in doubt always call American Express to verify whether you are eligible for a bonus. You don’t want to apply for a card, get the hard inquiry on your credit and then not even receive the bonus. On top of not getting the bonus, you’ll have to wait another year to be eligible.

While American Express does do a good job of saying who is eligible and who isn’t,  you should always double check by calling. They’ve cracked down a lot in the past year or so and aren’t as lenient with people who email or call them asking for points after they’ve hit the minimum spend. If the representative doesn’t see your bonus in the system then American Express will consider you ineligible and you’ll have to fight tooth and nail to get the bonus points that you feel you deserve.

I hope that answered your question, but if not please comment below or tweet me @thepointsguy!

The Platinum Card® from American Express

The American Express Platinum card has some of the best perks out there: cardholders enjoy the best domestic lounge access (Delta SkyClubs, Centurion Lounges, and Priority Pass), a $200 annual airline fee credit as well as up to $200 in Uber credits, and mid-tier elite status at SPG, Marriott, and Hilton. Combined with the 60,000 point welcome offer -- worth $1,140 based on TPG's valuations -- this card is a no-brainer for frequent travelers. Here are 5 reasons you should consider this card, as well as how you can figure out if the $550 annual fee makes sense for you.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
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Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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.