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American Express Canada application and reward strategies

American Express Canada application and reward strategies

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Old Feb 10, 19, 8:14 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
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Referrals and self-referrals are an important part of maximizing rewards from Canadian-issued American Express cards. It is appropriate to discuss how the referral process works in this thread. However, please do not offer or request referrals here. Use only this thread and do read the Wikipost carefully before posting: Referral Offers (post only in this thread, no referral links, read Wiki post first).

This thread is a continuation of: Churning Amex in Canada (2017). All the listed offers below are still valid as of January 2018.

AMEX Business Gold Rewards - $250/year, FYF, 40K MR (by referral, else only 30K) after $5000 spending
(no longer FYF as of Jun 26, 2018)

Updated as of Jan 22, 2018
AMEX Gold Rewards - $150/year, FYF, 25K MR after $1500 spending + $50/$60 cashback from GCR. New as of Jan 15, 2017, on a referred signup: and an additional 5,000 Membership Rewards points for one approved Supplementary Card added to your account at time of online application. That’s a total of 30,000 Membership Rewards points.
  • July 11, 2017, Amex Gold MR will no longer earn referral points.
  • July 21, 2017, no other Amex MR card can refer to Gold MR
  • Jan 22, 2018, as of Sep 14, 2017 the Amex Gold MR is no longer FYF. $150/yr applies on first statement. Only another Gold or Cobalt card can refer to Gold (and vice versa) for a 5,000 MR bonus. The Personal Gold cannot refer to Business Gold, Personal Platinum nor Business Platinum.
AMEX Air Miles Platinum - $65/year, 2000 Air Miles after $1500 spending + $30 GCR cashback
AMEX SPG - $120/year, 25K SPG after $1500 spending + $30 GCR cashback

New card as of Sep 25 2017
AMEX Cobalt CREDIT card - $10/month ($120 annually)
Apply through GCR for $50 Rebate https://www.greatcanadianrebates.ca/...s/Amex-Cobalt/
  • Earn 2,500 Membership Tiered Rewards points for each month where you spend $500 (up to 30,000/year).
  • Limited Time Offer: Apply by Jan 30, 2018 and you can earn a Welcome Bonus of 10,000 Membership Rewards® points after spending $3K in 3 months.
  • See discussion thread for more details: 2017 American Express Cobalt (Canada)
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Old Jan 1, 18, 8:41 am
  #1  
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Join Date: Sep 2010
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Programs: United 1K, Hyatt Diamond, Accor Platinum, Marriot Gold, Hilton Diamond
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American Express Canada application and reward strategies

Does anyone know when the $200 travel credit for 2018 for the Platinum card will appear? I have a booking to make and it is not showing up on the amex travel website. I know where it should appear on the amex site as I used my 2017 credit only a few days ago. Thanks.
gspurr is offline  
Old Jan 1, 18, 1:43 pm
  #2  
 
Join Date: Dec 2011
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Originally Posted by gspurr View Post
Does anyone know when the $200 travel credit for 2018 for the Platinum card will appear? I have a booking to make and it is not showing up on the amex travel website. I know where it should appear on the amex site as I used my 2017 credit only a few days ago. Thanks.
If you don't see the 2018 travel credit online you could go ahead and book first and then call AMEX to get the $200 credit applied afterwards. Or, if you want to do it in one shot, just to be sure, then call and ask a rep to help you with the booking and the travel credit at the same time.
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Old Jan 2, 18, 9:16 am
  #3  
 
Join Date: Mar 2012
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How long do you need to wait before churning the same AMEX product? Is it based on when you signed up for the last card or when you cancelled?
JetLife is offline  
Old Jan 2, 18, 12:25 pm
  #4  
 
Join Date: Dec 2011
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Originally Posted by JetLife View Post
How long do you need to wait before churning the same AMEX product? Is it based on when you signed up for the last card or when you cancelled?
It depends, but the simple answer is, you should wait at least 3 months after cancelling before reapplying for the exact same card product, minimizing the chances that they re-open a recently closed account. Many people have reported much (MUCH) shorter wait times with success, but I can't recommend that you take that type of risk.

There are other factors the come into play too, such as Personal vs Business card churns, but that's another chapter.
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Old Jan 2, 18, 2:18 pm
  #5  
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Originally Posted by JetLife View Post
How long do you need to wait before churning the same AMEX product? Is it based on when you signed up for the last card or when you cancelled?
Officially churning isn't possible at all, so really, anything is fair game... but I'd recommend at least 6 months since closing.
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Old Jan 2, 18, 2:36 pm
  #6  
 
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Originally Posted by Smiley90 View Post
Officially churning isn't possible at all, so really, anything is fair game... but I'd recommend at least 6 months since closing.
Hmmm. Officially? Maybe on the personal cards, which have wording such as "we may approve your application, but you will not be eligible for the welcome bonus". But that wording doesn't appear on the Business Gold MR nor Business Platinum MR cards' footnotes. Also, I can't recall seeing anyone report that an existing account was re-opened when reapplying beyond 3 months after cancellation, but fair enough, I can agree on the YMMV factor.
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Old Jan 2, 18, 3:09 pm
  #7  
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Originally Posted by JJonahJ View Post
Hmmm. Officially? Maybe on the personal cards, which have wording such as "we may approve your application, but you will not be eligible for the welcome bonus". But that wording doesn't appear on the Business Gold MR nor Business Platinum MR cards' footnotes. Also, I can't recall seeing anyone report that an existing account was re-opened when reapplying beyond 3 months after cancellation, but fair enough, I can agree on the YMMV factor.
True about the Business, but OP only specified "same amex product", so if it only works on two cards (or 3, I don't recall if the SPG Business has the language added by now), then that's the minority! But as someone who's gotten an extra Personal Gold signup bonus just in the last few months after having had it before, it still works on personal cards too.... but I wouldn't count on it. Definitely YMMV.
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Old Jan 3, 18, 1:45 pm
  #8  
 
Join Date: Dec 2011
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Well, FWIW, the business churns are definitely still alive and kicking in our household. It was my 6th stab at the Biz Gold, and was my 3rd churn after the July 2015 Amex "Thou-Shall-Not-RinseRepeat" Declaration day (one-welcome footnotes ), and all three times I had reapplied within a month after cancelling (1 week, in once instance).

I've pretty much lost instant approval status years ago, and in years past I would have called them the next day to get the application pushed through, but with recent reports of additional review requirements by a "back" team, I decided to wait for confirmation without calling. Plus, even though it is a business card churn and technically Ok for churning, the phone reps have demonstrated an ability to mix-up the one-welcome rules so I didn't want to poke them into doing something unfavourable to my application. The first hint of approval came in the form of bonus points for my wife's source referring card, two days after my application. Met the $5K spending right away with a planned large expediture, and the 40K welcome points posted without delay.
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Old Jan 3, 18, 3:33 pm
  #9  
 
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Originally Posted by JJonahJ View Post
There are other factors the come into play too, such as Personal vs Business card churns, but that's another chapter.
It sounds like business churns have a reasonable shot at success, but is personal dead in the water? I'm feeling an itch for another SPG personal, but $120 is a lot if all I wind up getting is 5,000 referral points from my SPG biz... what to do, what to do.
heraclitus is offline  
Old Jan 4, 18, 8:24 am
  #10  
 
Join Date: Dec 2011
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Originally Posted by heraclitus View Post
It sounds like business churns have a reasonable shot at success, but is personal dead in the water? I'm feeling an itch for another SPG personal, but $120 is a lot if all I wind up getting is 5,000 referral points from my SPG biz... what to do, what to do.
Hey Greekie,

I would say Business churns have a VERY good shot at success, whereas Personal card churns have a reasonable shot, based on the continued reports from within our circle of family/friends, as well as from datapoints of others in the public forums. Does that make sense?

And I'm basing my "reasonable" assessment of Personals in light of the reports of some people saying that when they called in to get the application status, they were notified that a "back" team would review further - at this point, some said they were told they would NOT get the welcome bonus again as they opened the card recently, while others said that they were approved and things went swimmingly as planned. So, YMMV, but reasonably good mileage still available.
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Old Jan 4, 18, 10:50 am
  #11  
 
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Originally Posted by JJonahJ View Post
Hey Greekie,

I would say Business churns have a VERY good shot at success, whereas Personal card churns have a reasonable shot, based on the continued reports from within our circle of family/friends, as well as from datapoints of others in the public forums. Does that make sense?

And I'm basing my "reasonable" assessment of Personals in light of the reports of some people saying that when they called in to get the application status, they were notified that a "back" team would review further - at this point, some said they were told they would NOT get the welcome bonus again as they opened the card recently, while others said that they were approved and things went swimmingly as planned. So, YMMV, but reasonably good mileage still available.
That's roughly how I understood things to be... I figure that between the 5,000 referral points + whatever I get from the spend, it's not like it would be a total bust even if I was refused the signup bonus. So I guess I'll roll the dice and hope that the Amex gods are smiling down on me
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Old Jan 4, 18, 4:45 pm
  #12  
 
Join Date: Mar 2012
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Whenever I call AMEX to get an application approved, they always tell me I've been identified as a "high value" customer of AMEX. Today the guy said since I'm high value they want to ensure it was actually me that applied to protect me. Is this "high value" thing something they say to everybody or is it some sort of designation they give certain customers? As a point of reference, I just churn AMEX cards but have spent tens of thousands on them over the years.
JetLife is offline  
Old Jan 4, 18, 5:08 pm
  #13  
 
Join Date: Aug 2003
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Originally Posted by JJonahJ View Post
Hey Greekie,

I would say Business churns have a VERY good shot at success, whereas Personal card churns have a reasonable shot, based on the continued reports from within our circle of family/friends, as well as from datapoints of others in the public forums. Does that make sense?

And I'm basing my "reasonable" assessment of Personals in light of the reports of some people saying that when they called in to get the application status, they were notified that a "back" team would review further - at this point, some said they were told they would NOT get the welcome bonus again as they opened the card recently, while others said that they were approved and things went swimmingly as planned. So, YMMV, but reasonably good mileage still available.
Any recent experience with churning personal Plat? My Business Plat will expire soon and I’m considering going back to the personal. It will have been about a full year since I cancelled.

Last edited by SurlyJoe; Jan 4, 18 at 5:10 pm Reason: spellning
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Old Jan 4, 18, 5:26 pm
  #14  
 
Join Date: Aug 2014
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It's been close to a whole month since I self-referred to the Business SPG from my personal SPG and haven't heard anything from Amex. Should I be worried or just chalk it up to the Holidays period? I am not very keen on calling Amex to enquire. Or should I call?
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Old Jan 4, 18, 6:25 pm
  #15  
 
Join Date: Jan 2015
Location: Toronto, Canada
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Originally Posted by JetLife View Post
Whenever I call AMEX to get an application approved, they always tell me I've been identified as a "high value" customer of AMEX. Today the guy said since I'm high value they want to ensure it was actually me that applied to protect me. Is this "high value" thing something they say to everybody or is it some sort of designation they give certain customers? As a point of reference, I just churn AMEX cards but have spent tens of thousands on them over the years.
Sounds like BS to me, I spend $150k/yr and never been called "high value"
nli007 is offline  

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