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Why You Need to Check What Amex Cards You’ve Had In The Past
American Express is a generous bank, both with approvals and bonuses. Unfortunately, you can only get one sign-up bonus per product per lifetime on personal and business cards. Here is the language they use on card applications:
WELCOME BONUS OFFER NOT AVAILABLE TO APPLICANTS WHO HAVE OR HAVE HAD THIS PRODUCT.
So if you’ve had a card in the past, even if you didn’t receive a bonus on it, you are not eligible for a signup bonus. The past usually applied only to the last 7 years, but you should make sure first before applying.
How To Check
First of all, you should keep track of all your cards. Note application dates, when bonus was received, when card was closed etc.. But not everyone is so organized or maybe you already had a few Amex cards before getting into churning.
To check what cards you’ve had in the past, or more exactly, what Amex considers the past, all you need to do is ask them. This can be done through the chat feature in your account. They will give you a list of active cards and also card you had previously that are canceled now.
Here’s an example:
Whatever cards are mentioned, are the cards that you will not get a signup bonus on. If a card is not mentioned, it means that it is not considered a card you’ve had in the past. Another benefit of this list, is that you can use it as a proof in case it’s needed later on.
This has been possible for a while and it is still a very quick and easy way to figure out what cards you’ve had in the past, or if a very old card is still in the Amex system. Also keep in mind that just because you’ve had a card, it doesn’t strictly mean that you can’t get a bonus for 7 ore more years. See how to Avoid the “One Bonus Per Lifetime” rule.
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.