AMEX Has Different Rules for Bonuses on Personal and Business Cards
Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.
AMEX recently changed their rules, where you can’t the bonus on a particular PERSONAL card if you had the card previously. But the rules appear to be different for business and personal cards.
You can NOT get the sign-up bonus on an American Express personal card twice. i.e. you won’t get the bonus on the personal Starwood card if you ever got the bonus on the personal card before.
In the past, some folks would re-apply for credit cards to get the sign-up bonus again, especially when American Express offered high sign-up bonuses. However, American Express recently changed the rules for personal cards. But not for business cards.
But the terms suggest that you may be able to get the sign-up bonus again on an American Express business card as long as you didn’t have the card in the last 12 months. This makes sense because business card holders spend a lot on their cards and banks don’t want to alienate them!
Business cards are considered different card products from personal cards and have different rules and ways to qualify for a business card. You can get a sign-up bonus for business AND personal cards, even for the same card.
The application page has different terms and conditions for business and personal cards.
Personal cards have the following in the terms and conditions:
If we identify you as currently having an American Express® Card account, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have or have had this product.
But the business cards have a 12 month disclaimer:
Welcome bonus offer not available to applicants who have or have had this product within the last 12 months.
So if you had The Business Gold Rewards Card from American Express OPEN over 12 months ago, you may be able to get the card again.But if you currently have the card or had it 11 months ago, you will NOT get the sign-up bonus.
American Express business cards have different terms and conditions, which suggest that you may be able to get the sign-up bonus on an AMEX business card as long as you didn’t have the same card within the last 12 months!
But you can NOT get the sign-up bonus again on an American Express personal card.
Chase Sapphire Preferred® CardAPPLY NOW
Chase Sapphire Preferred® Card
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 when you redeem through Chase Ultimate Rewards®.
Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Either $5 or 5% of the amount of each transfer, whichever is greater.
Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)