用AmEx信用卡购买 Gift Cards (GC) 可以获得点数吗?

相信常读本站的读者大概都知道,在做 AmEx 信用卡的开卡消费任务时,Gift Cards (GC) 的消费是不被计入的。自从2016年一大波人的100k开卡奖励被收回以来,AmEx 就延续了这个政策。

在开卡奖励之外,购买 GC 也经常是有利可图的。比如我身边就有不少朋友喜欢用 AmEx Gold 在超市买 Amazon GC,这样一来就相当于在 Amazon 的消费也有 4x MR 点数的回报了。至今数据点都表明 AmEx 还不在意这种开卡奖励之外的 GC 消费。

今天DoC发了一篇文章声称,AmEx在条款里新增了一点内容,对普通消费(开卡奖励之外的消费)购买GC的攒点能力也增加了限制,说目前有 Biz Blue 和 AmEx Gold 两张卡是这样。然而其实这篇文章有一定的误导性,因此在这里我来尝试解释清楚目前的现状。

因为我们从1年前就开始保存AmEx的各种条款,所以我们发现,至少在1年以前,AmEx 就已经对如下几张卡限制普通消费中GC的攒点能力了:AmEx Biz Blue, AmEx Gold, AmEx ED, AmEx EDP, AmEx BCE。神奇的是AmEx BCP跟上面几张卡非常相关却至今没有把exclude GC列入条款,不知道他们是怎么想的。

具体条款是类似这样的(以AmEx ED为例):

For each dollar charged on an eligible purchase in each billing period on your Amex EveryDay® Credit Card from American Express, you earn one Membership Rewards® point. You earn: 1 additional point (for a total of 2 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.

既然一年以前条款中就有这句话,而一年来实际数据点都表明GC仍然可以在普通消费时正常攒点(千万不要在做开卡消费的时候买GC就是了),说明AmEx最近在这方面并没有什么新的动作,don’t panic。当然,既然法律武器已经具备了,AmEx就有权利在任何一天去clawback你已经通过这种方式攒的点数,如果有这么一天,我们肯定会更新文章通知大家的。且撸且珍惜吧…


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