TPG reader credit card question: Can I apply for the same credit card in two different countries?

Jun 22, 2020

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Editor’s note: This is a recurring post, regularly updated with new information.

If you’re new to the points and miles hobby, opening five credit cards in 24 months might seem like more accounts than you’d ever know what to do with. Those slots fill up quickly, though, and sooner or later most of us are left looking for creative ways to earn new welcome bonuses. TPGreader Jillian wants to know if she can leverage her dual citizenship to apply for new credit cards…

If I’m a dual citizen of the U.S. and UK, can I apply for The Platinum Card issued in each country and earn the welcome bonus on both?

TPG READER JILLIAN

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U.S. citizens have an incredible advantage when it comes to travel rewards cards, as most of the best and most rewarding cards are only available to U.S. citizens or permanent residents. However, there are a number of international cards, especially in the UK and Canada, that deserve some attention as well. One of these is the UK-issued version of The Platinum Card® from American Express — with its $550 annual fee (see rates and fees) — which offers a welcome bonus of 30,000 UK Membership Rewards points after spending 4,000 GBP (US$5,017) in your first three months.

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Related reading: The different flavors of American Express Platinum — which one is right for you?

The terms and conditions of these cards make this question a little confusing, so I reached out to both the UK and U.S. Amex application teams for an answer.

If you have a UK-issued Platinum card and are looking to apply for the U.S.-issued Platinum Card, the answer is simple. Amex-U.S. treats these as separate products, so assuming your credit score is high enough for approval, having the UK version of the card won’t count against you.

If you’re moving in the other direction, from having a U.S.-issued Platinum card to applying for the UK version, it gets a little trickier. That’s because the UK Platinum card has the following restriction on welcome bonus eligibility: “I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal Membership Rewards-enrolled American Express Cards in the past 24 months.”

Photo courtesy of American Express

Note that this is significantly stricter than Amex’s application restrictions for U.S.-issued cards, which generally allow you to earn the welcome bonus on a new card as long as you haven’t had that specific card before. I was able to chat with an Amex agent in the UK who confirmed that this only applies to UK-issued cards; having U.S.-issued Membership Rewards cards won’t count against you.

Photo courtesy of American Express

Bottom Line

At the end of the day, holding an Amex Platinum card issued in one country won’t stop you from applying for one issued in another country. Remember that you won’t be able to combine points across these two cards, as Membership Rewards points in the UK have a different set of transfer partners for you to take advantage of. The 30,000-point welcome offer on the UK card also isn’t the most exciting out there, so depending on what other cards she holds, Jillian might want to look for better American welcome bonuses instead. For example, she could get up to a 100,000-points welcome offer on the Amex Platinum Card if she uses the CardMatch tool.

Thanks for the question, Jillian, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.

Check the CardMatch Tool to see if you’re targeted for a 100,000-point Platinum Card or 50,000-point American Express® Gold Card offer. These offers are subject to change at any time.

For rates & fees of the Amex Platinum, click here.
The Platinum Card® from American Express

WELCOME OFFER: 60,000 Points Terms Apply.

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, up to $200 annual airline fee credit and up to $200 in Uber credits annually

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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 VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • 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® program at over 1,000 properties. Learn More.
  • $200 Airline Fee Credit, up to $200 in statement credits 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®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
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.