大概是从2023年11月起，AmEx 搞起来了一种非常猥琐的开卡奖励条款：标题中写的是 “AS HIGH AS xxx” 点数，然后下面告诉你，你只有填了资料提交申请之后才能看到你具体能拿到多少点数的 offer，你看到这个数字之后可以选择接受offer或放弃申请，在这期间不会产生 hard pull 影响分数，只有接受 offer 之后才会产生 hard pull。
具体条款是这样写的（以 AmEx Platinum 为例）：
As High As 175,000 Membership Rewards® points Welcome Offer
After you submit your application and before you accept the Card (if you are approved), we will tell you the exact amount of Membership Rewards®points which you are eligible to earn with your Welcome Offer, which will be an amount as high as 175,000 points. This means that the amount of points which you are eligible to earn with your Welcome Offer may be less than 175,000 points. You can earn these points after you spend $8,000 (the “Threshold Amount”) or more in eligible purchases on your Platinum Card® from American Express within the first 6 months of Card Membership starting from the date your account is opened.
貌似自从2023年出现以来，AmEx 让这种 “AS HIGH AS” 的offer出现的越来越普遍了。具体语言也从一开始的 “up to xxx” 变成了现在更为标准的 “AS HIGH AS”。目前主要是以下卡容易出现这种 “AS HIGH AS” 的offer：
- AmEx Platinum 信用卡 AS HIGH AS 175k offer（普通 offer 80k）。
- AmEx Gold 信用卡 AS HIGH AS 100k（普通 offer 60k）。
个人理解，以前AmEx的开卡奖励经常可以通过隐身模式+挂VPN切换IP地址的手段，刷到史高offer。但是AmEx估计还是觉得这样发出去的offer有太多本站读者这样的gamer来申请了。于是他们决定，把以前那种隐身模式的offer逐步替换成这样的 AS HIGH AS offer。这样一来，naive 的申请人看到的是高offer申下来也是高offer，咱们这种gamer就只能眼巴巴的看着 AS HIGH AS 那么高的数字而最后只给一个史低offer。
这种 AS HIGH AS 的操作实在是令人厌恶，不知道会不会也引起普通申卡人的厌恶，让AmEx重新考虑一下这种策略到底是不是合适。