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Is American Express rejecting more welcome offers?

May 03, 2021
5 min read
Is American Express rejecting more welcome offers?
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Editor’s note: This post has been updated with new information.


American Express recently added new language to its terms and conditions regarding the eligibility of a welcome offer. At least in the minds of TPG staff and readers, there are some thoughts — based on anecdotal indicators from applicants -- that Amex has tightened up its belts on welcome offer eligibility.

TPG has heard from numerous applicants denied welcome offers without receiving much of an explanation that clarifies the company's recent legal language change.

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Some rejections seem to have been made for obvious reasons:

(Photo by John Gribben for The Points Guy)

Meanwhile, the rationale behind other rejections appears unclear:

  • "Got approved this weekend for the American Express® Gold Card. However, I was told I would not receive a welcome offer and was declined (got a pop-up message saying I'm ineligible)," reader Gino wrote on the TPG Lounge.

And some readers are enjoying success, even after applying for multiple cards:

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Here’s a tip to prevent your Amex welcome offer from being taken back

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Go figure.

For its part, American Express won't say whether it is denying more offers, acknowledging only that welcome offers are specifically designed to attract new customers. "We regularly refine our policies to ensure that our welcome offers are being provided to eligible new cardmembers, as they are intended for," a spokeswoman said.

Further, the issuer takes into account whether applicants "have or have had the product they are applying for, their history with American Express, the number of American Express Cards they have opened and closed, and more."

That essentially echoes the language Amex added to its applications last year. Here's the new language:

"Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility."

The lifetime limit on welcome offers was not new, but the second sentence more clearly spelled out that Amex can deny you for any reason. It followed that new language up within a week by launching a tool that lets potential cardholders know before a hard credit inquiry is initiated whether or not the cardholder is eligible for the welcome offer.

Related: A complete guide to Amex one-offer-per-lifetime restrictions

A while back, Summer Hull, a director at TPG, was herself denied a welcome offer when she recently applied for a new Amex card.

"I do not open an aggressively large number of cards each year, and in fact probably have averaged two new personal credit cards each year the last couple years. I've never been turned down a card outside of having to wait out Chase 5/24 when it was first introduced," Hull says. "In terms of Amex specific cards, my newest Amex account was the [Delta SkyMiles® Platinum American Express Card] that was opened over a year ago.

"However, despite not being a major hitter when it comes to opening new cards, I received the dreaded pop-up box that I was not eligible for the Marriott Bonvoy Brilliant® American Express® Card based on my history with Amex," Hull says. "I called and tried to apply over the phone, but the result was the same and I was told there was nothing the agent could do."

Related: Your guide to calling a credit card reconsideration line

Featured image by (Photo by Eric Helgas for The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023