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Part of the current rules and best practices of signing up for credit cards says that you can only get one bonus per lifetime on any American Express cards.  I did end up applying for (and receiving the bonus on) an American Express Delta card that I had previously held, but I think that was either a mistake of some sort or the fact that I had had the bonus so long ago.

[I just got a 2nd bonus on an American Express card]

Applying for a 2nd Ameriprise Platinum card despite the Amex lifetime bonus rules

I recently canceled my existing Platinum card, so with a few trips coming up, I thought I would try to get an Ameriprise Platinum card, or, as it’s formally known, The Platinum Card® from American Express for Ameriprise Financial ( Man he’d never get out of first grade if he had to write that all down!).  That’s even though the maximum Amex lifetime bonus is one per person per card

After checking the rules on how many credit or charge cards you can have with American Express, I applied for the card and…


Or, as I put it in my post on our free Facebook miles and points groupCenturion lounge – here I come!

I had signed up for this card a few years ago when they were temporarily offering a signup bonus of 25,000 Membership Rewards, but currently the card does NOT have a signup bonus.  Again, even if it did, I wouldn’t be eligible because according to the Amex lifetime bonus rules, I’ve previously received a signup bonus on the card.

Why would I apply for a card that has no signup bonus?

The Platinum Card® from American Express for Ameriprise Financial is one of those cards that doesn’t get talked about a lot.  I’d imagine that some of the reason for that is that bloggers, myself included, don’t get a commission on this card as far as I know.  This card has no signup bonus (though you can earn an extra 5,000 MRs for every $20,000 that you spend), but most importantly, does NOT have an annual fee the first year (the regular fee of $550 kicks in starting in first year)

But, you still get the following benefits

And all of the other Platinum benefits, like access to the Fine Hotels and Resorts program, 5x on flights / hotels booked through Amex Travel, Amex Concierge services, free American Express roadside assistance, etc.

There’s a reason that I picked this card for my portfolio in the credit card mock draft!

So even without a signup bonus, I’ll be getting quite a lot of value out of this card.


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