Explanations on the marks: you can’t get approved if: Now: you have this card now. Now/30: you have this card now or have had it in the past 30 days. 90: you have acquired this card in the past 90 days. “Acquired” includes card application and card conversion. 24: you have obtained a welcome offer or upgrade offer on this…
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These days some people (like in USCardForum and MyFICO) are starting to notice a new AmEx feature: “Apply With Confidence”. This feature means, if you can see the “Apply With Confidence” box in the application page, then AmEx will do a soft pull based on your info, give you a decision whether they will approve your application, and then let…
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American Express is giving a lot these days. We’re seeing highest ever offer on Platinum card now, as well as extra benefits on many cards they announced at the beginning of 2021. Now they’re offering better signup bonus offers on many cards via referral links! As shown above, you can earn an extra $200 credits on eligible purchases at select…
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AmEx and their Rewards Abuse Team (RAT) is trying their best these days to punish any abusive behavior. Today, a new development happened: some people got their airline fee credit clawed back! The airline fee credit is a benefit for several premium credit cards, for example: AmEx Hilton Aspire ($250), AmEx Platinum ($200), AmEx Gold ($100). It used to be…
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With American Express continuing to target more and more users with an all time best offer to upgrade to the Marriott Bonvoy Brilliant American Express Credit Card, I thought I would highlight something I found recently regarding the $300 Marriott Statement Credit. When I upgraded back in November 2018 I shortly after made some purchases totaling $251.52 that were quickly…
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If you are a long time reader of our blog, you must have known that for many of AmEx cards, you may see increased signup bonuses if you open the application link in incognito mode or with the help of VPN. Here is a table of regular bonuses v.s. incognito increased bonuses. These incognito bonuses are stable for a few…
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2020.2 Update: It seems the concept of “stud card” is no longer valid. All amex cards have the same effect now. 2019.5 Update: According to data points on reddit, AmEx Biz Gold and Biz Platinum now become “stud cards” as well. They have the highest referral bonuses, so if you have them, they are the best cards to generate referral…
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[2019/03/13 Update] – I just received another mailer for a Business Gold card with a new link to try if you have been unsuccessful enrolling thus far. AmEx is sending out physical mailers for a promotional offer where charge card holders can earn 10,000 MR points per account by enrolling in the “Pay Over Time” feature. There are no additional…
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It’s been a while that you can use your AmEx cobranded card to refer other related cards in the same series. For example, if you have the Delta Gold card, then you can refer Delta Gold, Delta Platinum & Delta Reserve, and their business version. This is true for Hilton series and Marriott series as well. Now AmEx further improved…
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2019.2 Update: See this post for a new update about the increased bonuses from referral link. You should already know that, when you apply for some AmEx credit cards, you may see some higher signup bonuses if you use incognito mode, or with a VPN to increase your chance. See this post for details. For example, AmEx Everyday usually has…
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Starting from Aug 26, 2018, AmEx and Chase work together to limit the bonuses on their Marriott & SPG co-branded credit cards. Now AmEx SPG cards can affect the eligibility of Chase Marriott credit cards, and vice versa. Here’s a summary of the limits. Chase Co-branded Credit Cards Chase cards have their own limits: Chase 5/24 rule: Chase Marriott Premier…
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Today AmEx added a sentence in the terms for all its credit cards, see this page for example: 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. We are not sure how serious AmEx is, but this is definitely not…
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We know that you can refer a friend for AmEx Hilton Ascend and AmEx Hilton Aspire card: You can earn 20,000/25,000 bonus Hilton Honor points for every approved account you refer, up to 80,000 Hilton Honor Points per calendar year. In fact, the limit of referral bonus from AmEx Hilton cards is 82,090 instead of 80,000. For each account, you may earn…
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AmEx Platinum has several flavors. Their sign-up bonuses are independent, so you can get each one of them. The benefits are basically the same, but with a few differences. This post summarize the comparisons between all these flavors. Here are the links to the reviews of all these cards: AmEx Platinum regular version AmEx Platinum for Schwab AmEx Platinum for…
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Introduction From decreasing the cost of everyday purchases like groceries and cell phone bills to Hacking the Cost of an Engagement Ring, Amex Offers provide one of the most lucrative opportunities in the credit card churning game. The opportunity is so lucrative that earnings can rival signup bonuses as the best return on credit card spend. This post summarizes how I…
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