Question regarding AMEX Plat bonus

morgacj2004 · ‎01-29-2019

So I just cancelled my AX Plat Amerprise a few days prior to having the AF hit. As some of you known this card comes with a 0 AF for the first year (No bonus) making it a great way to experience Plat benefits without the AF. My wife was just approved for the AX Plat Amerprise and I will be an AU on her account. We will then go through the same proccess in 2020 with my re-applying for the card. Not sure how long this will last, but in case it does not work I am wondering if I would still be eligible for the regular AX Plat bonus as I have never had that card before. My wife had it a long time ago and I was an AU only. Does anybody know the answer to this one. No problem with my getting approved now as I already have 4 other AX cards 3 personal and 1 business.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

FinStar · ‎01-29-2019

It is my understanding that the SUB for the standard Platinum would be available since that's considered a separate product altogether.

I just recently got this same CC a few days ago (thanks @CreditCuriosity 😁). I believe the eligibility would hinge once you apply and whether the pop-up (or sometimes lack thereof) would make your profile ineligible.

I'll be considering the Schwab Platinum after I take this one for a spin. I'm assuming, other than the Ameriprise Platinum, and being AU on your wife's Platinum, you've never had the standard one as primary, correct?

morgacj2004 · ‎01-29-2019

Correct I have never had the Vanila Plat card version. Only as an AU under my wifes account.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

K-in-Boston · ‎01-29-2019

Thought I would chime in to confirm FinStar’s thoughts. Every version of the Platinum card is considered a different product, so as long as you are otherwise eligible to receive A bonus, you would get THE bonus.

Anonymous · ‎01-29-2019

@morgacj2004 wrote:
So I just cancelled my AX Plat Amerprise a few days prior to having the AF hit. As some of you known this card comes with a 0 AF for the first year (No bonus) making it a great way to experience Plat benefits without the AF. My wife was just approved for the AX Plat Amerprise and I will be an AU on her account. We will then go through the same proccess in 2020 with my re-applying for the card. Not sure how long this will last, but in case it does not work I am wondering if I would still be eligible for the regular AX Plat bonus as I have never had that card before. My wife had it a long time ago and I was an AU only. Does anybody know the answer to this one. No problem with my getting approved now as I already have 4 other AX cards 3 personal and 1 business.

I hope that you're aware that you will not receive the bonus that may exist on the Ameriprise version if you do in fact apply for the card again and are approved.

morgacj2004 · ‎01-29-2019

There is no signup bonus for the Amerprise version. That is why there is no AF for the first year.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

FinStar · ‎01-29-2019

@morgacj2004 wrote:
There is no signup bonus for the Amerprise version. That is why there is no AF for the first year.

In the past, just not as frequent, there have been some targeted SUBs. Definitely not as lucrative as Schwab, Morgan Stanley or even the standard Platinum version, but I think in your case they'd be negligible since it appears it's a 'rinse and repeat' process.

The only thing that I can think of, highly speculative but one never knows, is the possibility that their internal systems may eventually 'flag' the Ameriprise repeat behavior and not award the SUB.

morgacj2004 · ‎01-29-2019

I realize that Fin Star and that is the price of playing this game. But after a few years of having no AF will certainly offset not getting a bonus.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

FinStar · ‎01-29-2019

@morgacj2004 wrote:
I realize that Fin Star and that is the price of playing this game. But after a few years of having no AF will certainly offset not getting a bonus.

Good luck on your upcoming AmEx Plat application!

jdbkiang · ‎01-30-2019

I thought the highest ever bonus on the Ameriprise Plat was 25K anyway, right? Given that that's the case, one year's AF should be more than worth not getting that bonus.

Edited to ask: Does anyone know if having the Ameriprise Plat lowers your chances of getting the 100K vanilla Plat offer?