Finding Hidden AMEX Sign-Up Offers
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Some credit card sign-up offers stay the same year-round (like the Citi Reserve – 2 Weekend Nights), while others stay lower year-round and then increase–Starwood Preferred Guest Personal & Business goes from 25,000 to 30,000 around August each year.
American Express sign-up bonuses on their own products (charge cards, EveryDay Preferred) change constantly. There are times when cards like the Platinum and Gold (both personal and business) go above their standard 25,000 and 50,000, but more often than not, savvy churners rely on targeted offers and what I’d term, “hidden” offers.
Because AMEX sign-up bonuses are now once in a lifetime (i.e. you can only earn the sign-up bonus once, no matter the sign-up offer), it’s important to sign-up for the card when it as its highest.
For reference, here the varying sign-up bonuses for some of their (common) products:
- American Express Hilton No Fee – 40,000, 50,000, and 75,000
- Hilton Surpass – 75,000 and 100,000
- EveryDay – 10,000 and 15,000
- EveryDay Preferred – 15,000 and 25,000
- Starwood Personal – 25,000, 30,000 (and most recently), 35,000
- Starwood Business – 25,000, 30,000 (and most recently), 35,000
- Delta Personal and Business – 30,000, 50,000 (and mail offers of 60 – 70,000)
- Delta Platinum Personal and Business – 35,000, 50,000 and 60,000
- Personal Gold – 25,000 and 50,000 (sometimes higher)
- Business Gold – 25,000, 50,000 and 75,000
- Personal Platinum – 40,000, 75,000 and 100,000
- Business Platinum – 40,000, 75,000, 100,000, 150,000, and 250,000 (this last two are extremely rare and only targeted)
- Mercedes-Benz for AMEX – 50,000 and 75,000
This is not all their products (the cash back ones are missing), but as you can see there is a lot of variance with their sign-up offers. The personal cards usually have the same spending requirement across the level of bonuses. The business products usually require more spending as the sign-up increases.
So how do I access these “hidden” sign-ups?
Unfortunately, there is no guaranteed method by which one can access these “hidden” sign-ups, but there is a way many people (including myself) have applied for the highest offer per product.
Step 1: Clear your cookies.
Step 2: Copy and paste the application link into Chrome Incognito or Safari Private Browsing.
Step 3: If you do not receive the higher offer, close the window, and start again.
Two important notes:
- If you do get the high offer, do not wait to sign-up for it. There is no guarantee the next time you open that page you’ll see the higher offer.
- Try the above steps multiple times, on different days and different devices.
First attempt at the Premier Rewards Gold yielded 25,000 Membership Rewards after meeting the spending requirements:
After several attempts at doing this in incognito, I got the 50,000 sign-up bonus after the same spending as the inferior offer:
As I mentioned above, if you navigate away from this page you will definitely lose the offer: “This offer is available to you by clicking through this web page. If you love or close this web page and return late, this offer may no longer be available.”
PRO-TIP: When applying for AMEX cards, you can be approved for both a charge card (Platinum, Gold, Green) and credit card (Delta, Starwood, EveryDay, etc.)
This is not such a major “hack”, but with AMEX’s once per lifetime language, it is important to only apply for these cards when they are at their highest.