Is Amex increasing exceptions to their Once Per Lifetime Rule?

Amex By Mail Offers No Once Per Lifetime Rule

Most American Express credit card offers disallow those who have had the same card before.  Language in the application offer terms usually state the following (and usually in bold text): “Welcome bonus offer not available to applicants who have or have had this product.” We describe this as Amex’s once per lifetime rule.

I often hear reports from people who have received targeted offers from Amex which do not include the once per lifetime rule.  And plenty of data points have proven that you can get the signup bonus even if you’ve had the card before, as long as your offer doesn’t have the lifetime exclusion language.

My son regularly gets Amex credit card offers by mail (thanks to having setup a website domain a few years ago), but until very recently they all included the lifetime language.  Then, about a week ago, that changed.  In the past week, he has received three new by-mail offers and none have the once per lifetime language!

Each offer includes a one-time use code.  In my experience, someone other than the recipient can use that code and the same offer terms apply.  So, for example, I could apply for the Premier Rewards Gold 50K offer with my son’s targeted offer code, and I should be eligible for the signup bonus despite having had that card before.  Same with the Everyday 25K offer.

I’m going to wait a bit to see if other even better offers come along, but I’ll most likely pull the trigger on some of these.  While they’re not the biggest offers we’ve ever seen, the opportunity to get more points for cards we’ve had before is a rare gift.

Is this just me my son?  I’m curious if others are also seeing more of these unrestricted targeted offers lately?  Please comment below.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

Pingbacks

Comments

  1. I just received an offer in the mail for the Delta SkyMiles card (50k/$2k spend) with an offer code. However, paragraph 1 of the Offer Terms contains the “once per lifetime” rule.

  2. I received my second 75k bonus on the BRG last fall, but that offer was in my account.

    On the flip side, I had a delta gold 60k offer (without the language) with a code last year that a friend tried to use, and he was denied the bonus as having received it before.

  3. I applied for and received a second PRG after receiving an offer without the once per lifetime language. Three months after receiving the 50,000 MR they were clawed back. I contacted customer service who said they found I had received the bonus before and would not relent even after I explained that the offer I had received did not have that exclusion. I continue to receive these offers without the language but won’t fall for it again.

    • That’s surprising. By any chance did you also take advantage of one of the 100K Platinum card offers that weren’t supposed to be public? There have been some reports of Amex clawing back points from other cards when they couldn’t find a good excuse to claw back the Platinum points.

      • No. I’ve read about the clawbacks from those links but did not know they were also taking back points from other cards as well.

  4. I upgraded from the Amex Everyday to the Amex Everday Preferred and got the 25K bonus points even though I had previously gotten that bonus. It was one of the “offers” that they list at the bottom of the screen for each card account. I am currently in the process of getting 50K bonus for the platinum business card that I have had previously and gotten a bonus for. I got an “offer” to upgrade from the Amex Biz Gold card.

  5. I got targeted offer for 25k points for opening a Gold PRG with 1 k in spending. The points just posted. I closed my last Gold PRG last year.

  6. How do you use someone else’s targeted offer code? Online app pre-fills it after entering in RSVP? Need to call in to use?

    • I’m not sure which situation you have:

      A) You received a mailer for Business X (which you own), but you want to use the RSVP code for Business Y (which you also own).
      or
      B) Someone else received the offer and you want to use it for your business.

      In my experience, situation B has worked. I’m not sure about situation A….but if it didn’t have the once-per-lifetime language, I would expect it would work. Can’t say for sure.

  7. Amex has a RAT team – Rewards Abuse Team, that also subscribes to your blog and others
    I called them to get a 2 x 100$ Amazon charge from MPX and was told no go and it took me 2 tries to get one card done.
    By the time we tried doing all 6 cards we had in our family, only 3 paid out
    Still keep it up.

  8. I would think my experience/relationship with AMEX is almost second to none, but it could be my ego… anyways. i have biz gold, biz plat, simplycash, spg biz, spg, old blue cash, everyday, and mercedes plat as of June 2016. Since Oct 2016, I’ve been receiving card offers in amex offers section in my online account, old blue cash gave me a 75K biz plat offer and a 75K biz gold offer at the same time; meanwhile, my existing gold biz (AF due in Dec) gave me a 50K upgrade offer to biz plat. When amex considered that’s not good enough for me, they kept sending me mail offers with RSVP codes: a 75K biz plat (I let it expire), a 100K biz plat, and later a $300 simplycash PLUS with 0% APR for 9 months.

    So with all that said, back on Dec 20, I applied for the 100K biz plat mail offer, instant approval; Then applied 75K biz plat in online account, instant approval; applied $300 simplycash plus, instant approval; applied 75K biz gold in online account, pending, called in 2 hours later, approved; upgraded existing biz gold to plat, 50K. all went well. I can’t really believe it happening, and my friends say amex just spoiling me.

    I thought it would be an end. Now it’s is March, and I kept receiving two 75K biz gold mail offers in Jan and Feb. I let one expired accidentally. My old blue cash again gives a 75K biz plat, and occasionally it becomes 75K biz gold, and my newly approved biz gold gives me another 50K upgrade offer… I’m a bit overwhelmed. Today 3/17, I applied for the 75K biz gold in my account and 75K biz gold in mail offer, along with another SPG biz from a referral, which might not be eligible for another welcome bonus, but worth a shot – i’m applying for cards with amex anyway.

    Recap, now I have a total of 6 CC now with AMEX. The rest are 1 Mercedes plat, 4 biz plat, 1 biz gold. And I just applied for 2 biz gold, 1 spg biz. I’ll see what’s happening.

    a few useful tips people may already know:
    1. you can double dip biz plat’s 50% points back and plat’s 5x on airfare at amextravel.
    2. with four/more biz plat cards, you can maximum 50% points back benefit by setting each card to a different carrier (I currently have AA, UA, DL, AS)
    3. To max out spending requirement on biz plats (5K or 10K), I do Simons mall VISA cards at 5K intervals so you get 1.5 points on charges over $5K.
    4. cash equivalent language was never enforced on all my cards, yet.
    5. I believe the old bluecash card is the one kicking most online account offers for me. I’m keep the card no matter what CSR say.

    • BTW, I plan to max $200 airline credit with those biz plats approved in Dec 2016 three times and finally cancel most of them, in Jan 2018.

      • None of your offers had the lifetime bonus language, and you’ve gotten the bonus for everything? That is quite the story with Amex, I’m sure everyone here will be jealous.

        • thanks, i guess you don’t get everything. last round, i lucked out. this time, spg biz was shot down cuz i have the “limit of lending products” (5 credit cards). I forgot to mention that one of the six CC was applied using a biz EIN instead of my SSN.
          the other two BRG is pending executive decisions, which CSR cannot do anything at this point. So fingers crossed.

  9. That happened to my wife and so she applied for the biz Platinum the second time (after cancelling it last year) to get the 100k bonus. Card arrived fine but no bonus points were seen. Called them and amex told her about the once per lifetime rule and told her she wouldn’t be eligible for another 100k points

  10. Did anyone who didn’t have once in a lifetime language but didn’t get bonus points send a copy of the sign up terms to amex to prove your case?

Leave a Reply

Your email address will not be published. Required fields are marked *