The Gold Card from American Express for Ameriprise Financial

The Gold Card from American Express
for Ameriprise Financial

Card Type: Amex Charge Card

Base
Travel
Dine

Earning rate: 2X points for Flights booked directly with airlines and at U.S. Restaurants

Big spend bonus: 2500 bonus points for every $10K spend, up to 20K bonus points annually

Noteworthy perks: ⚬ No foreign transaction fees ⚬ $75 hotel credit on 2+ night stays with the Hotel Collection. Terms & Restrictions Apply. See Rates & Fees

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Transfer Partners.

Application Tips


Amex Application Tips



  • Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you sign up now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 5/90 Rule: In general, you can get at most one credit card within 5 days and 2 within 90 days. The 5 day limit is not enforced when your applications are automatically approved. Neither rule is enforced for charge cards.

  • 5 credit card max:Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards open. This limit does not apply to charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day


Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)


How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting the money back. These techniques are often referred to as "manufacturing spend". American Express has terms in their signup offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most signup bonuses have terms like this:
Eligible purchases to meet the Threshold Amount of this offer do NOT include fees or interest charges, balance transfers, cash advances, purchase of travelers checks, purchase or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

The Business Platinum® Card from American Express
75K points
Up to 75K: 50K after $10K spend + 25K after additional $10K spend in 3 months.

$450 Annual Fee

Recent better offer: 150K after $20K Spend (Targeted)

American Express® Gold Card
50K points + 20% back on select purchases
50K after $2K spend in 3 months + 20% back as a statement credit at US Restaurants within the first 3 months (up to $100 back).
(Offer Expires 01/09/19)

$250 Annual Fee

The Platinum Card® from American Express
60K points
60K after $5K spend in 3 months

$550 Annual Fee

Recent better offer: 100K after $3K spend direct link (last reported 5/10/16)

American Express® Business Gold Card
50K points
50K points after $5K spend in 3 months

$295 Annual Fee

Recent better offer: 75K after $10K spend, targeted -- call to ask for offer. (last reported 11/7/18)

Gold Card from American Express
25K points
25K after $1K spend in 3 months

No Annual Fee First Year, Then $160

American Express® Green Card
15K points
15K points after 3K spend in 3 months

No Annual Fee First Year, Then $95

The Blue Business℠ Plus Credit Card
10K points
10K points after $3K in purchases in the first 3 months

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not supply the details nor is it responsible for their accuracy.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
10K points after $3K in purchases in the first 3 months (Expired 9/26/18)

Platinum Card® from American Express for Ameriprise Financial
Free First Year
No first year annual fee for you and up to 3 authorized cardholders

No Annual Fee First Year, Then $550

Business Green Rewards Card from American Express
5K points
5K points after first purchase

No Annual Fee First Year, Then $95

The Blue for Business® Credit Card from American Express

Click here to view details about a similar card: The Blue Business Plus Credit Card

Recent better offer: Expired 2/22/17 -- 10K points after first purchase + 10X points at U.S. restaurants the first six months (up to $2K in spend) + 2X on all purchases the first year (up to $50K in spend)

Expired 4/26/17 -- 25K: 10K after first purchase plus 15K after $5K spend in 6 months

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