American Express New Rewards Card Information

Red this out of existence if it has already been covered, but I have read nothing of it so far.

I just talked to a CSR about some fraud on my account and after we were done, brought up the fact that I had been denied for a Starwood account despite stellar credit and no balances. An interesting tidbit of, according to him, new stipulations in the rewards card category for the company came out of his mouth. He stated that under new account rules, any one consumer was allowed only 1 rewards card from American Express.

I trust his word (as he was the most competent AMEX rep I have talked to in a while), but if anyone is planning on applying for a new rewards card from AMEX, and you already have one, keep in mind this could be an easy denial you don't need to go through. He also offered to convert my Hhonors to the Starwood card, but no bonus and I would incur the $45 fee right away. I almost took him up on this because of the conversion of Starwood points into actual rewards, but have to decide if I am actually going to use it enough to pay for the fee.

aren't all AMEX credit cards rewards cards?

Not sure how it is now, but I have multiple AMEX cards, all of which are rewards cards. I have serious doubts as to the correctness of the info the CSR was giving you, but they have changed a lot as of late there.

My wife has 3 cards - citi plat (joint), the new hilton one that give 40K points (hers) and Delta (hers). The last two were approved within the past week.

skagen said: My wife has 3 cards - citi plat (joint), the new hilton one that give 40K points (hers) and Delta (hers). The last two were approved within the past week.

side note: The Citi plat Am.ex isn't issued by American.Express. Am.Ex has very little to do with it outside of running all transactions through their network--if this policy exists, it would only apply to the last two in your post.

I already have a Business Simply Cash Card and a Starwood Card, and just applied and got instant approval online for a Delta Skymiles card.

So if you have the Costco AMEX w/ 2% CashBack you're SOL on any other AMEX rewards?

comptalk said: Yea, the guy must had been smokin something. I have a blue, gold rewards, corp. platinum rewards cards.
This is 2009. What we have has nothing to do with what one can get today, in the world of lowered credit limits and closed accounts.

Such policies are not very surprising. Every issuer is trying to cut their exposure, and cutting number of cards per person is one way without losing customers.

I have received a letter few weeks back for following offer from American Express. I have a gold card.
Asked me to return the form by 07/31/2009 to receive,
1. Free air line companion ticket worth up to $744
2. Free restaurant certificate worth up to $100.
3. Two months free membership in FOOD and Wine connoisseur club.

They will chart on time club processing fee of $2.99. After 2 free months, they will charge $29.95 to my American Express card. Continuous annual renewal rate afterward is $69.95.

They also mentioned that your are under no obligation to continue your membership and air line companion ticket and $100 restaurant gift certificate are yours to keep no matter what.

Looks like i can take 2 months free membership, get all the benefits and cancel the membership?

Does it look like a legitimate offer. Please suggest if i can reply/call them by tomorrow and take this offer.

Thanks for the info.

pm9bjm said: I was just turned down for a Citibank hilton Honors Visa. I have stellar credit references. The response was "Not enough satisfactory credit references." I appealed and was denied again for the same reason. My husband applied for the card, answered the questions identically and he was immediately accepted. He has fewer credit references than I do. Is it legal for them to discriminate based on sex???

It's not only about the applications questions, but also about the outside information that the issuer has access to. Have you compared all three of your credit reports with your husbands? Are they identical? Are your FICO scores exactly the same? Do you both have identical credit histories? Have you both had the exactly same types of credit (car loans, personal loans, credit cards) in the past for identical amounts and terms? Are the utilities in only one name? Does one of you have a prior relationship with Citi or one of the banks that merged into the Citi network? etc.