Is American Express rejecting more welcome bonuses?
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.
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 bonus eligibility.
TPG has heard from numerous applicants denied welcome bonuses without receiving much of an explanation that clarifies the company’s recent legal language change.
For more TPG news delivered each morning to your inbox, sign up for our free daily newsletter.
Some rejections seem to have been made for obvious reasons:
- “I was rejected for the [welcome offer],” reader Paul wrote. “In the past year I [applied for] for the Delta SkyMiles® Platinum American Express Card and got the bonus, then stopped spending on it, upgraded my [Blue Cash Everyday® Card from American Express] to the [Blue Cash Preferred® Card from American Express] for a [welcome offer], then stopped using it except for groceries and I closed my SPG card before the first annual fee was due after having gotten the SPG points. So yeah, Amex, you caught me churnin’.”
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 bonus 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:
- “In the last year, I have opened The Platinum Card® from American Express, Hilton Honors American Express Surpass® Card, Hilton Honors American Express Aspire Card, and as of yesterday, the American Express® Gold Card. All are still open and I received bonuses on all of them,” reader Philip wrote.
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.
For its part, American Express won’t say whether it is denying more bonuses, acknowledging only that welcome bonuses are specifically designed to attract new customers. “We regularly refine our policies to ensure that our welcome bonuses 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 bonuses 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 bonus.
A while back, Summer Hull, a director at TPG, was herself denied a welcome bonus 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.”
Featured image by Eric Helgas/The Points Guy
Welcome to The Points Guy!
Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.
With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees