Advertiser Disclosure

business credit cards

Amex Adds Tool to Confirm Welcome Offer Bonus Eligibility

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. For more information check out our Advertising Disclosure.

Last week, American Express added language to the terms and conditions of their credit card welcome bonus offers. Historically, you have been able to earn a specific American Express credit card welcome bonus offer once per lifetime as is noted on the offer terms below.

Per the updated terms, Amex is also now considering the number of American Express cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.


Amex Bonus Eligibility
The new terms & conditions for Amex welcome bonus offers


New Tool to Confirm Welcome Offer Eligibility

The good news with this update from Amex is they have launched a new easy-to-use tool to confirm your welcome offer eligibility for any card before you officially hit send on any credit card applications.

This new tool will be able to process your information before American Express actually pulls your credit. This will help you understand if you'll be eligible and able to earn a welcome offer bonus without wasting a hard credit pull to do so.

I tested this out with the American Express Gold Card as I have had the card in the past but don't currently have it open. When logged into my account and applying for the card, I got the following message.


Amex Bonus Eligibility
Warning that I will not be able to earn the welcome offer bonus on the Premier Rewards Gold card


You’ll only get a pop-up if American Express deems you are not eligible to earn the welcome offer on the subject card. Because of this, you can assume you're eligible if the application goes straight through to a final decision without the above warning.


Bottom Line

We have seen other banks like Chase implement more strict rules when it comes to credit card welcome offers. It was only a matter of time before Amex added stricter rules to their welcome bonus eligibility. The fact that you will know in advance of a hard credit inquiry whether or not you are eligible for a welcome bonus is certainly a nice feature.



Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

5 Responses

Leave a Reply

Your email address will not be published. Required fields are marked *

Get Free Flight Alerts

Cheap international and domestic flight deal email alerts

Get Cheap Flight Alerts