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USA personal Gold Card bonus changes Oct 2023 - $6k spend and Platinum exclusions

USA personal Gold Card bonus changes Oct 2023 - $6k spend and Platinum exclusions

Old Oct 6, 2023, 12:07 am
  #1  
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Join Date: Feb 2010
Location: MSP
Posts: 483
USA personal Gold Card bonus changes Oct 2023 - $6k spend and Platinum exclusions

Looks like American Express has increased the bonus spend for the Gold card to $6k and started to exclude the bonus if you've had any of the flavors of the personal Platinum card:

You may not be eligible to receive a welcome offer if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card, the Platinum Card from American Express Exclusively for Charles Schwab, the Platinum Card from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
Link to terms: https://www.americanexpress.com/us/c...0/#offer-terms
SpaethCo is offline  
Old Oct 6, 2023, 6:02 am
  #2  
 
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,239
Gravy train is over.
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Old Oct 6, 2023, 6:33 am
  #3  
 
Join Date: Jan 2002
Location: North Oregon Coast
Programs: AS, AA, BA, HH Gold, Marriott Gold, National EE
Posts: 351
If this is the case, as soon as my year with the Platinum is over, I suspect Im done with them. I never plan to be a churner but Im not going to add a card with a fee to my wallet with no bonus and no possibility of one.
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Old Oct 6, 2023, 6:41 am
  #4  
dw
 
Join Date: Jun 1999
Location: NYC/LA
Programs: DL Plat, AA Plat Pro, Marriott Titanium, IHG Diamond Amb
Posts: 7,342
Wow, just wow
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Old Oct 6, 2023, 11:49 am
  #5  
 
Join Date: Jul 2010
Posts: 1,218
Interesting - I wonder if the 7 year limit has changed also on the backend with these other changes (shorter?)
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Old Oct 6, 2023, 11:59 am
  #6  
 
Join Date: Dec 2018
Location: Northern California
Posts: 111
Yep loading the personal Gold page in Incognito mode confirms... $6k spend now.
Phrastus is offline  
Old Oct 6, 2023, 3:22 pm
  #7  
 
Join Date: Oct 2022
Posts: 53
I wonder if a revamp of the personal Gold is in the works now.
OrangeRange is offline  
Old Oct 6, 2023, 8:28 pm
  #8  
 
Join Date: Jan 2002
Location: North Oregon Coast
Programs: AS, AA, BA, HH Gold, Marriott Gold, National EE
Posts: 351
Originally Posted by OrangeRange
I wonder if a revamp of the personal Gold is in the works now.
Hard pass for a lot of folks if it's anything like the "revamped" Biz Gold which took away the huge shipping category for more coupon book stuff. It's amazing how Amex and so many "influencers" are selling these changes as a good thing on net.
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Old Oct 6, 2023, 9:00 pm
  #9  
 
Join Date: Oct 2022
Posts: 53
Originally Posted by ziggy29
Hard pass for a lot of folks if it's anything like the "revamped" Biz Gold which took away the huge shipping category for more coupon book stuff. It's amazing how Amex and so many "influencers" are selling these changes as a good thing on net.
I agree the Gold is good as is. I wouldn't mind paying a higher annual fee if they increased the dining credit and loosened its restrictions. As this is Amex though, we're more likely to see a $100 annual credit to restaurants booked via Resy over a blanket dining credit.
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Old Oct 7, 2023, 1:27 pm
  #10  
FlyerTalk Evangelist
 
Join Date: Aug 2005
Location: BOS/EAP
Programs: UA 1K, MR LTT, HH Dia, Amex Plat
Posts: 31,575
Good. Stopping this churning nonsense will help 'regular users' in the end ... zero sum game!

Revamp - depends what it is. Not sure I see an indication of that tbh
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Old Oct 7, 2023, 2:32 pm
  #11  
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Join Date: Dec 2006
Location: Pacific Northwest
Programs: UA Gold 1MM, AS 75k, AA Plat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 16,254
Originally Posted by cfischer
Good. Stopping this churning nonsense will help 'regular users' in the end ... zero sum game!
Churning? This blocks people like me (long time Plat cardholder) from getting a bonus when trying to build an Amex MR trifecta and bring more ongoing spend to the Amex ecosystem (due to the better category bonuses of the Gold compared to the Plat). I have never had the Gold, so if I were to get it, it would hardly be churning. Well, now without a SUB I will likely not even consider it in the future.

And I hope you sent Amex a sternly worded complaint about the NLL Amex Business Plats they have been churning out in recent months.
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Old Oct 7, 2023, 9:13 pm
  #12  
 
Join Date: Jan 2002
Location: North Oregon Coast
Programs: AS, AA, BA, HH Gold, Marriott Gold, National EE
Posts: 351
Originally Posted by cfischer
Good. Stopping this churning nonsense will help 'regular users' in the end ... zero sum game!
It ain’t just churners. I have a Schwab Platinum and a BBP, and planned to stay long term with Amex getting most of my spend. But I won’t pay a fee for a card with no welcome bonus. And at this point, even if decide to keep the Platinum card when the next fee comes due in January (it’s a close call), there is no way I am putting any spend on it now that doesn’t trigger 5X or specific benefits or credits. Most of my spend will be on other cards now.
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Old Oct 7, 2023, 9:41 pm
  #13  
 
Join Date: Nov 2013
Location: PHX, SEA
Programs: DL Silver, Avis President's Club, Hertz President's Circle, Global Entry (Former AA Plt/Gold)
Posts: 4,411
It's no different from employers paying new hires better than long term employees, or airlines running "status match" promos like Alaska who is giving higher status to low-level Delta fliers than to the long term Alaska loyalists. Amex RATs have decided that anyone with a plat is already "locked into the MR ecosphere" and isn't worth investing in. Since the Plat card is mostly a sock-drawer product anyway, I think it's shortsighted of them since they're missing out on the processing fees. Plus, like @notquiteaff, I don't see myself ever signing up for a new product that doesn't offer a SUB, especially if there's an annual fee attached.
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Old Oct 8, 2023, 7:24 pm
  #14  
mia
A FlyerTalk Posting Legend; Moderator: American Express, Capital One, Citi, Chase, Credit Card Programs, Diners Club, Signatures
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,709
Originally Posted by notquiteaff
....if I were to get it, it would hardly be churning.
It would be if you were cancelling a Platinum card after opening Gold, which seems to be the pattern that American Express is seeking to change. In any event, there will be targeted exceptions..
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Old Oct 8, 2023, 7:52 pm
  #15  
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Join Date: Dec 2006
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Programs: UA Gold 1MM, AS 75k, AA Plat, Bonvoyed Gold, Honors Dia, Hyatt Explorer, IHG Plat, ...
Posts: 16,254
Originally Posted by mia
It would be if you were cancelling a Platinum card after opening Gold, which seems to be the pattern that American Express is seeking to change. In any event, there will be targeted exceptions..
That may be a pattern, but not my pattern

(my most recent new card account is 15 months old. I opened two new cards in the last two years. My most recent Amex account was opened in 2019. By Flyertalk standards I am a terrible churner and probably should be banned from these forums )

As I said, it would keep me …

Originally Posted by notquiteaff
from getting a bonus when trying to build an Amex MR trifecta
… which I think is generally understood to include the Plat and the Gold. Not that I was actively thinking about it, but now it’s a non-starter (unless, as you, a sweet targeted offer finds my mailbox and Chase does something bad to the UR program).
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