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Amex Upgrade Offer?

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Established Contributor

Re: Amex Upgrade Offer?


@Saeren wrote:

@ttulaw wrote:

@Saeren wrote:

Don’t bet on it. Amex has been denying SUBs whenever they feel like it. 


Which is precisely why I suggest calling and speaking to a CSR and obtaining clarification where there appears to be vagueness or uncertainty.  Worst case scenario, you are told you don't get the SUB.  Had you opted to take the offer, you wouldn't have gotten the SUB anyway.  At least by calling you know what you're getting.  


Except the CSRs don’t always know either. The rules are very ambiguous and basically allow Amex to pick and choose which customers they don’t feel are churning. 

 

I would be shocked if OP actually gets the bonus having had the card previously. 


I get that.  Sometimes even all we can do to be informed is not enough.  The offer does seem to run contrary to previously stated Amex "policy" regarding SUBs.  













Message 11 of 19
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Established Contributor

Re: Amex Upgrade Offer?


@plaidington wrote:

I found this article;

 

https://milestomemories.boardingarea.com/blue-cash-preferred-250-upgrade-offer/

 

I think I am going to "go for it".  I will report back.


Very interesting article.  Definitely looking forward to hearing how it works for you when put into practice.  













Message 12 of 19
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Frequent Contributor

Re: Amex Upgrade Offer?


@Saeren wrote:

@ttulaw wrote:

@Saeren wrote:

Don’t bet on it. Amex has been denying SUBs whenever they feel like it. 


Which is precisely why I suggest calling and speaking to a CSR and obtaining clarification where there appears to be vagueness or uncertainty.  Worst case scenario, you are told you don't get the SUB.  Had you opted to take the offer, you wouldn't have gotten the SUB anyway.  At least by calling you know what you're getting.  


Except the CSRs don’t always know either. The rules are very ambiguous and basically allow Amex to pick and choose which customers they don’t feel are churning. 

 

I would be shocked if OP actually gets the bonus having had the card previously. 

 

2015 I applied for BCE with a SUB. I applied as issuer was not willing to pc from another card. BCE was approved. SUB never honored. I have never at any time received a SUB from American Express. 


 

Message 13 of 19
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Frequent Contributor

Re: Amex Upgrade Offer?

OK, I hit the button. I will let you know if my SUB posts after the $2K spend. 

Personal cards:
Amex Blue Cash Preferred | Capital One Quicksilver VS | Chase Freedom VS | Chase IHG Select WMC | Discover It | NFCU CashRewards MC | US Bank Cash+ VS
Business cards:
Amex Blue Business Cash (Hidden TL)
Total Credit Lines: $150K, DTI: 1%
In the Garden!
July 2020 FICO 8 Scores: EX 808 | EQ 820 | TU 820
Will answer questions about underwriting.
Message 14 of 19
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Community Leader
Mega Contributor

Re: Amex Upgrade Offer?

Good luckSmiley Happy
Message 15 of 19
Highlighted
Established Contributor

Re: Amex Upgrade Offer?

Very interested if got sub
Starting score(February 2018)-520Current Score: FICO 8- 748EX, 768TU, 770EQ, Goal Score: 780 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 8000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 75,000+
BJs perks World Mastercard-14,000
HILTON HONORS-2000
Cap1 Venture-VS-5,500
Sams Club MC 20000
Citi® - AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)8500
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5500CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-7500cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 16 of 19
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Moderator

Re: Amex Upgrade Offer?

There's an important distinction between a Welcome Offer and a Special Offer.  A Welcome Offer (SUB) is for new acquisitions of cards, while here the OP has received a targeted incentive from Amex to upgrade their existing card.  I've not seen any DPs of a targeted offer for an upgrade being denied because someone previously held the card.  There's little doubt in my mind that the bonus would be paid.

Message 17 of 19
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Frequent Contributor

Re: Amex Upgrade Offer?

Sorry I did not update sooner. YES, I got the sub. Looks like if you downgrade, after some time they will offer an upgrade with a Sub. From what I can tell this can happen indefinitely if you time it right.

Personal cards:
Amex Blue Cash Preferred | Capital One Quicksilver VS | Chase Freedom VS | Chase IHG Select WMC | Discover It | NFCU CashRewards MC | US Bank Cash+ VS
Business cards:
Amex Blue Business Cash (Hidden TL)
Total Credit Lines: $150K, DTI: 1%
In the Garden!
July 2020 FICO 8 Scores: EX 808 | EQ 820 | TU 820
Will answer questions about underwriting.
Message 18 of 19
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Community Leader
Super Contributor

Re: Amex Upgrade Offer?

People on here do it all the time with the bc, everyday, and Delta. Like K said, while a welcome bonus has lifetime language, amex can target you with a bonus, usually smaller than a welcome, that bypasses the once in a lifetime rule.







Message 19 of 19
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