American Express has long been known for its generous welcome offers. New, qualifying card members have the opportunity to earn a large amount of points in their first few months of card membership, assuming they meet the spending requirements and any other criteria.
Now, though, American Express is adding language to some card offers that states your welcome offer may be “up to” the advertised allotment of points, suggesting that some customers may only receive a subset of the potential maximum.
Other times, potential customers may receive offers to earn “more than” the designated amount of rewards, suggesting that some lucky targeted applicants may actually get more than the number advertised.
Finding out what bonus amount you’re personally eligible for involves playing a game of offer roulette. You’ll need to officially apply for the card. If approved, American Express will specify the exact amount they’re willing to offer you—and any other terms and conditions—and applicants can choose to proceed with acquiring the card or opting out at that time.
The chance to opt out is a good one for customers who aren’t thrilled with the offer they received, especially if the welcome bonus is a deciding factor on whether or not to get that specific credit card (or to apply at this particular point in time). However, requiring applicants to apply before finding out the details of their offer still feels like a bit of a bait-and-switch.
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