American Express No Lifetime Credit Card Offer Data Point
As some of you know my old pal American Express and I are not on the best terms. When I went to apply for my last few Amex cards I received the dreaded pop up message. Even cards that I have never had before were producing the popup telling me I was ineligible for a welcome offer. Amex is probably my favorite lender overall because they have the most variety of products and the best bonus earning categories. Add a grocery bonus already Chase! Because of that I was pretty bummed about them putting me on the naughty list. Then I was targeted for a no lifetime language Delta Platinum card offer and I wondered if it would be more of the same?
Delta and Amex recently targeted some members, as they often do, with a no lifetime language welcome offer. I was finally one of the lucky ones selected! The offer was for 75,000 miles after $3,000 in spend plus a $100 credit with any Delta purchase. I have had the card in the past and closed it less than a year ago after not getting any type of retention offer.
I had wondered if I would get the pop up saying I was not eligible for the offer once again. But I was pleasantly surprised with an instant approval. Even after the approval I was apprehensive while completing the minimum spend. I feared Amex would deny the bonus because of the recent pop ups I had received. That is an issue with Amex right now, they are kind of making up the rules as they go along.
A few days after the spend was complete the miles were deposited into my account! I was pretty excited that it all worked out and that got me to thinking that these targeted, no lifetime rule offers are kind of like getting a golden ticket.
How I Think I Avoided The Popup
There are a couple of different theories that I can throw out there but these are all just educated guesses. The one I believe is most likely is that these targeted offers are spearheaded by Delta and not Amex. When I went to apply it took me through the Delta page first and not straight to American Express. I think Delta wants these targeted offers to bypass all of Amex’s rules.
Another theory I have is that I was getting the popup for all Membership Rewards earning cards and had not tried a co-branded card. Maybe they are more lax on these offers? Although I don’t think that is the case from data points I have seen.
Lastly, I could have just finally got out of my American Express induced purgatory. Although it hasn’t been all that long since I was seeing popups so I this is less likely as well.
If you are on the Amex naughty list and find yourself receiving one of these targeted no lifetime offers I think it is worth applying for. It seems like these offers are unique and don’t follow the same rules as normal Amex applications. It will be interesting to see what happens on my next American Express application though.
Has anyone had a similar experience with these no lifetime language targeted offers? Let me know in the comments.