AmEx 开始逐渐限制同系列开卡奖励 (Family Language):高年费的会影响低年费的!【2023.12 更新:Marriott 系列也加入了】

【2023.12 更新】现在Marriott系列也加入了。在 AmEx Marriott Bevy 的页面上写着,有过 Brilliant 将无法获得开卡奖励。

【2023.10 更新】最新加入限制的是 Amex Everyday Preferred (EDP) 和 Amex Everyday (ED) 系列。因为 EDP 有年费而 ED 无年费,所以之后持有过 EDP 卡将无法获得 ED 卡的开卡奖励。


运通限制同系列开卡奖励

这绝对是一大噩耗。AmEx 最近新增了开卡奖励限制条款:同系列内的卡也将互相影响开卡奖励了!

以前大家熟知的开卡奖励限制是:正在持有,或已经持有过某张卡,将无法再获得此卡的开卡奖励。这个限制只针对单卡,对同系列其它卡没有影响。

但是最近大家发现开卡奖励的限制开始扩展到同一个系列的卡内:持有过某张卡后,不仅之后无法再获得这张卡自身的开卡奖励,同系列内比它年费更低的卡的开卡奖励也将无法获得。

目前还没有扩展到所有 AmEx 卡上,但看起来也是迟早的事。本帖会持续更新用于汇总当前哪些 AmEx 信用卡已经加上了这条限制。

已受影响的系列卡

目前加入的都是个人卡系列,商业卡全部还未受影响。根据这个速度,接下来一两个月应该所有会被限制的系列卡都会逐渐加上限制条款。

Marriott 系列【2023.12 最新加入】

Marriott系列也加入了。

  • AmEx Marriott Bevy 的最新条款,现在写着有过 Brilliant 将无法获得开卡奖励:

You may not be eligible to receive a welcome offer if you have or have had this Card, the Marriott Bonvoy Brilliant® American Express® Card or previous versions of these Cards.

Everyday 系列【2023.10 开始】

Everyday 系列也有类似的条款了:持有过 Everyday Preferred 将无法获得 Everyday 卡的奖励。

  • Amex Everyday (无年费) 最新的条款,清楚表明有过 Everyday Preferred 将无法获得奖励:

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Amex EveryDay® Preferred Credit Card or previous versions of these Cards.

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card or previous versions of this Card.

Amex Gold & Platinum【2023.10 开始】

运通白金卡和金卡现在也有同系列限制了,持有过白金卡将无法获得金卡的奖励。Green 卡目前还没有被影响。

  • AmEx Gold($250 年费)最新的 offer terms,清楚表明有过白金(各种版本的都算)将无法获得 Gold 卡的奖励:

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.

  • AmEx Platinum($695 年费)的 offer terms。白金卡有各种版本,持有过一种将无法获得其它白金卡的奖励。持有过Gold并不影响Platinum。

You may not be eligible to receive a welcome offer if you have or have had this 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.

Blue Cash 系列【2023.10开始】

Blue Cash 系列也有类似的条款了。持有过BCP影响BCE,反过来不影响。

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Cash Magnet®Card, the Blue Cash Preferred® Card, the Morgan Stanley Blue Cash Preferred® American Express Card or previous versions of this Card.

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Morgan Stanley Blue Cash Preferred® American Express Card, or previous versions of these Cards.

Delta 个人卡系列【2023.9开始】

AmEx Delta 系列卡按照年费从低到高排序,持有过高年费的将无法获得低年费版本的奖励:

You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Options Credit Card, the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards.

You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards.

You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards.

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card.

Delta 商业卡系列目前还没有受影响。

一些讨论

看起来运通正在逐步铺开这种同系列的限制。以后就是持有过高年费版都无法获得更低年费卡的奖励。对想全部拿一次奖励的人来说,申卡的顺序就非常重要了,以前无所谓,之后必须从低年费开始,逐次申到高年费版。而且这个条款是回溯性质的,不是从更新后新申卡开始执行,而是发布后以前持有过的也算,所以大家要早做准备。

同时,值得提醒的是,不同渠道、不同链接的卡对应的 offer terms 可能是不一样的,就像是有的卡没有 once per lifetime language 一样,或许之后也会有这类没有 once per lifetime family language 的链接出现,大家申请前一定要仔细查看条款。


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