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I was browsing my American Express accounts over the weekend (paying bills and checking the latest Amex offers that have been loaded to my accounts) and I noticed that Amex has targeted me for some cheap and easy-to-attain sign-up bonuses.
Three Sign-Up Bonuses Amex Is Using To Tempting Me
All three offers are either for zero-fee cards or have the annual fee waived in the first year so that automatically makes them look interesting to me.
Amex EveryDay Credit Card
I actually already hold this credit card but it’s linked to a different account which is why American Express is showing me a special offer here.
The regular sign-up bonus for this card is 10,000 Membership Rewards points so the offer I’m getting is 50% better than the one most people may see.
Considering this card costs nothing to hold and will earn you up to 2.4 Membership Rewards points/dollar at US supermarkets (up to $6,000 of spend in a year) that’s a pretty reasonable deal.
Premier Rewards Gold Card
The current public sign-up bonus for his card is 25,000 points after spending $2,000 so, at 50,000 points after spending the same amount, the personal offer I’m seeing is a 100% better than this.
This card normally comes with a hefty $195 annual fee but, as that’s waived in year 1, it’s possible to get the sign-up bonus for free.
It’s important to note that this is a charge card and not a credit card so the balance has to be paid in full each month…but you should be doing that anyway so this shouldn’t be an issue.
The Premier Rewards Gold card earns….
- 3 points/dollar on airfare booked directly with airlines
- 2 points/dollar at US restaurants, US gas stations and at US supermarkets
- 1 point/dollar everywhere else.
The card also offers up to $100 in statement credits per calendar year for spend with your chosen airline – these credits are for incidental fees and not airfare.
50,000 Membership points and a $100 airline statement credit for zero outlay looks pretty good to me….although historically there have been a few larger bonuses available.
The next offer is technically the most generous as Amex doesn’t actually offer a sign-up bonus on this card under normal circumstances.
This card ordinarily comes with a $95 annual fee but, as that’s waived in year 1, it’s possible to get the 25,000 points sign-up bonus for nothing.
As a card to use for spend this is exceedingly weak (2 points/dollar at Amex Travel and 1 point/dollar elsewhere) but it’s still an easy 25,000 Membership rewards points for spending just $1,000 in 3 months.
I value those points conservatively at approximately $375 and that’s not an amount I’m likely to turn down without some thought.
Applying For Amex Cards
I’m not going to go into great detail here so I’m just going to give you the basics:
- Amex only offers one sign-up bonus per card per lifetime unless otherwise stated in the terms and conditions – if you’ve held one of these cards before and got a sign-up bonus you’re unlikely to be eligible for another.
- You can hold up to 4 Amex credit cards and 4 Amex charge cards at any one time
- It’s possible to apply for 2 Amex cards on the dame day without issue as long as the first card is approved immediately or after a phone call on the same day.
The offers listed above are specific to one of my Amex accounts so there’s no guarantee that you’ll see them too…but it’s always worth checking your own Amex accounts to see if you’ve been targeted for anything good.
If you haven’t been targeted for anything worthwhile then be sure to check out the CardMatch tool from CreditCards.com to see if that has anything better to offer…there have been some great bonuses available on the Platinum card recently.