See our Advertiser Disclosure here.
Back in April 2019, I applied for an Amex business card. I got the dreaded Amex pop-up box that alerted me I was not eligible for the card’s bonus due to my history with Amex.
Since that time, I put some spending on my existing Amex card. I also slowed down on new credit card applications, partly to position myself to be out from under Chase’s 5/24 rule.
And when I say I slowed down, I mean I slowed WAY down. In 2018, I was approved for 9 new credit cards. But in 2019, I applied for just two cards. My last card approval was in November 2019. This is the longest stretch I’ve had without a new credit card since I’ve been in this miles and points hobby.
Time for a New Card
This past weekend, I started thinking more about a trip to Europe with my family of five in 2022. My strategy will be to use miles and points for flights and pay cash for apartment rentals. I can start booking flights next summer, so it’s time to increase my miles and points balances to make sure we have enough. It takes a lot of miles and points for five round-trip tickets to Europe.
So, yesterday I made my move. I decided to apply for the Amex Green card via referral. The bonus from referrals is currently 50k points after spending $2000 in the first three months. The card has a $150 annual fee, not waived. Amex has a once-per-lifetime bonus for each card, but my husband and I have never owned the Amex Green card.
After I filled out the online application, I was shocked to get the Amex pop-up message. Again!
I figured that since I didn’t look like a churner for the past year, I would look more attractive to Amex. Nope! Amex still remembers how I opened and closed several Amex cards for the bonus.
My husband tried as well, and he got the same pop-up message. Dang it!
I haven’t decided exactly which card, but I will be applying for another credit card soon. Now is a great time to plug away at minimum spending on a card to reach a bonus. We have upcoming holiday expenses plus our property taxes coming due soon.
Since I don’t need these miles immediately, I have some time to mull over current and future offers before making a decision. I hope that we see more good offers come out in the next few weeks.
How is your credit card strategy going this year?
Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Nancy lives near Dallas, Texas, with her husband and three kids. Her favorite vacations include the beach, cruising and everything Disney.