Has anyone ever been denied a sign-up bonus from Amex? Got gold card and didn’t realize I was denied until I received card in mail. Filed a complaint with customer service but not sure what else to do. They said it was because I cancelled a Delta Amex card after one year but it has been over a year since I cancelled it and this doesn’t seem like it should be related to a totally different “family” of card.

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You should've gotten a pop up (known ans pop-up jail) when applying. Amex doesn't take lightly to churn or other activities their algorithms determine as gaming. There isnt a public facing rhyme or reason to pop-up jail and chasing CS won't help you. I'd keep your gold card in good standing for at least a year before applying for a new card. You can always call in before applying to double check your SUB eligibility. Doesn't matter that it was a cobranded card, still in the Amex ecosystem

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it’s frustrating because I didn’t open either card with the intention to churn but understand why they monitor it closely. just wish the reasoning was more clear than a pop up

I am in the same situation. I did not get a popup

Years ago I closed an Amex card after using it for 2 years. I am reading online and the o LT time Amex can ding you is if you have opened and closed cards within a year. This was not the case for me but still got denied the bonus after spending over 10k on this card.

What are my options to fight them and get the bonus

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You can’t fight Amex lol but you can continue to get to the point of the pop up in the application and back out until there is no longer a a pop up. As stated previously, there is no rhyme or reason that customer service will give you that helps determine future eligibility. It’s all a numbers/algorithm game.

Amex shows you a warning when you apply, a very specific clear pop up if you don’t qualify for the bonus - you may have dismissed it without reading it

I read this online and didn’t remember seeing one but I guess I must have

Sorry you are in pop-up jail :( How exactly did you notice you got denied the sign up bonus? I recently opened an amex green as well and I just noticed I’m not seeing anything about the SUB in the app either (haven’t reached the spending limit for it yet) so now I’m worried I’m in the same boat as you.

The app doesn't show SUB. You'll have to see it on desktop

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