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American Express Starwood Business Credit Card 35K Starpoints After $10K (25K/$6K/3Mo + 10K/$4K/6Mo)

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[Expired: Now 25,000 Bonus After $5K Spend within the first 3 months]

AmEx is offering an increased 35K sign-up bonus for the SPG Business Card.

..."Earn 25,000 bonus Starpoints after you use your new Card to make $6,000 in purchases within the first 3 months and an extra 10,000 bonus Starpoints after you make an additional $4,000 in purchases within the first 6 months. Offer ends 11/1/2017.

$0 Introductory Annual fee for the first year, then $95."

25K Linky: http://www.americanexpress.com/us/content/open-starwood-preferred-guest/index.html [urlhasbeenblocked]
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Created 10-05-2017 at 01:16 PM by CodeAdam10
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Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America offers the Bank of America® Business Advantage Travel Rewards World Mastercard® with 25,000 Bonus Points after making $1,000 in purchases during the first 60 days from account opening. Thanks tranquil Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire. Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases. Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Orbitz®. No annual fee and no international transaction fees. • 0% Introductory APR on purchases for your first 9 billing cycles. Redeem points for travel with no blackout dates, cash back or gift cards. Slickdeals may be compensated by Bank of America.
Chase Ink Business Preferred Card 80K Points w/ $5K Spent in 1st 3-mos
Update: This very popular offer is still available. Chase offers the Chase Ink Business Preferred Card with 80,000 Ultimate Rewards Bonus Points after making $5,000 in purchases during the first 3 months from account opening. Thanks drdvls Card Features: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open No foreign transaction fees Employee cards at no additional cost $95 Annual Fee Slickdeals may be compensated by Chase.
Chase Sapphire Preferred Credit Card 50K Points w/ $4K Spent in 1st 3-Mos
Update: This offer is still available. Chase is offering 50,000 Bonus Points ($625 towards travel) w/ $4000 Spent in First 3 Months of Account Opening for their Sapphire Preferred Credit Card with $0 Intro Annual Fee for the first year, then $95. Thanks brisar Please see our forum thread for additional details and requirements. Slickdeals may be compensated by Chase.
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16 Comments

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Joined Nov 2009
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#2
10k is a hefty spend for that bonus
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#3
Yup... it was previously a 5k spend for the 35k bonus... now it's 6k just for the lower 25k bonus then another 4 for the extra 10
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#4
A warning for those thinking of MS-ing the initial spend requirement in order to get the bonus. Do your research on the latest changes AMEX has made to its policies.
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#5
Quote from DiMAn0684
:
A warning for those thinking of MS-ing the initial spend requirement in order to get the bonus. Do your research on the latest changes AMEX has made to its policies.
Exactly. Don't buy any cash equivalents (Simon mall, money orders) and be very weary of any returns, even if legit. Amex put the war paint on and they're looking for reasons not to award bonus points.

$10k organically on an amex that's obviously not as widely accepted as visa/mc is going to be quite a hurdle for many. Plus you'd need to make sure that using the SPG as a daily driver is to your advantage, because for example that's $200 opportunity cost when compared to a standard 2% cc. Doesn't help Plastiq is nerfing the ability to use amex for paying a mortgage either, although for whatever reason it's still working for me and Wells Fargo.

I'm not saying this this a bad deal. You just need to make sure everything adds up and doesn't leave you vulnerable.
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#6
Also make note of this new clause for Hilton / SPG cards:
http://www.bankcheckingsavings.co...r-rewards/

Wonder if AMEX is planning to delay the bonus in order to see how the spending pattern changes after the min spend is met and shut down accounts of those who get the cards just for the bonus (no / min spend after initial spending requirement is met).
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#7
Quote from anthonyjh21
:
Exactly. Don't buy any cash equivalents (Simon mall, money orders) and be very weary of any returns, even if legit. Amex put the war paint on and they're looking for reasons not to award bonus points.

$10k organically on an amex that's obviously not as widely accepted as visa/mc is going to be quite a hurdle for many. Plus you'd need to make sure that using the SPG as a daily driver is to your advantage, because for example that's $200 opportunity cost when compared to a standard 2% cc. Doesn't help Plastiq is nerfing the ability to use amex for paying a mortgage either, although for whatever reason it's still working for me and Wells Fargo.

I'm not saying this this a bad deal. You just need to make sure everything adds up and doesn't leave you vulnerable.
Well, you still get points on the card for your 10k spend, so I think it's 1 point for every $1 spent, so you'll have 45k points at the end of it all. It's still a great deal larger spend than it was earlier this year.
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#8
Anyone know how AmEx reacts to (large) Plastiq charges?
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#9
Quote from anthonyjh21
:
Plus you'd need to make sure that using the SPG as a daily driver is to your advantage, because for example that's $200 opportunity cost when compared to a standard 2% cc.
The regular 10,000 points you'd earn on $10,000 are worth more than $200 to me. YMMV
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#10
Quote from rrgg
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The regular 10,000 points you'd earn on $10,000 are worth more than $200 to me. YMMV
That's the point. The baseline opportunity cost is 2%. If you're already using the SPG card as your daily spend card for all non-bonus, non-minimum spend then you're good to go. If not, then you need to discount this when calculating the overall value of this bonus relative to what you'd normally use the $10k in spend towards.

If you value UR at 3 CPP then you'd need to overcome $300 when factoring in the $20k spend. If you value SPG at 3cpp then it's a wash. If you value it at lets say 2.5cpp then the opportunity cost here is $50.

All I'm getting at is you have to figure out what the value is for YOU, and like you said it's very YMMV. Make no mistake though, amex doubling the spend requirement while also having a RAT team to sniff out any non-organic spend is going to make this stressful if you don't have an easy $10k organic spend.
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Last edited by anthonyjh21 October 6, 2017 at 12:32 PM.
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#11
Quote from CodeAdam10
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Anyone know how AmEx reacts to (large) Plastiq charges?
Last month they told Plastiq to stop using amex for mortgage payments. Data points are inconsistent though, because some receive an error message when adding the card to Plastiq while others like myself are still able to schedule Wells Fargo mortgage payments.

Amex can do whatever it wants but if a CFPB battle ensued I can't believe they'd claim the Plastiq payment was a cash equivalent and have it hold up.
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#12
Quote from Showtime49er
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Well, you still get points on the card for your 10k spend, so I think it's 1 point for every $1 spent, so you'll have 45k points at the end of it all. It's still a great deal larger spend than it was earlier this year.
Yeah, and I wasn't denying that it's not a good deal for you. Read my response before this to understand what I mean.

Last year they offered the same bonus so while this is a better deal than earlier this year, it's not an all time best bonus. They doubled the minimum spend requirement so you have to factor that into your value, which is highly YMMV and dependent on several things, including baseline value on spend and your ability to organically meet the $10k.
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#13
Quote from DiMAn0684
:
Also make note of this new clause for Hilton / SPG cards:
http://www.bankcheckingsavings.co...r-rewards/

Wonder if AMEX is planning to delay the bonus in order to see how the spending pattern changes after the min spend is met and shut down accounts of those who get the cards just for the bonus (no / min spend after initial spending requirement is met).
Basically gives them more time to analyze your purchases to make sure you're not doing any manufactured spending. Their reward abuse team (RAT) is looking for that block of cheese and they suspect you might have some so they'll sniff around a bit longer to make sure your activity is in line with T&C.

Given the lifetime bonus restriction and inability to receive prorated refunds on annual fees I don't believe it's about you abusing the bonus so much as it is them looking for a way to not award the points based on card activity.
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#14
Quote from anthonyjh21
:
Basically gives them more time to analyze your purchases to make sure you're not doing any manufactured spending. Their reward abuse team (RAT) is looking for that block of cheese and they suspect you might have some so they'll sniff around a bit longer to make sure your activity is in line with T&C.

Given the lifetime bonus restriction and inability to receive prorated refunds on annual fees I don't believe it's about you abusing the bonus so much as it is them looking for a way to not award the points based on card activity.
Yea that's really what I'm not understanding about these new AMEX provisions: they have a lifetime bonus restriction on their offers, how are people churning??
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#15
Quote from jesusffs
:
Yea that's really what I'm not understanding about these new AMEX provisions: they have a lifetime bonus restriction on their offers, how are people churning??
It's not churning they're worried about. They're looking for ways to not issue the bonus. It could be because you bought a gift card, money order or any other cash equivalent.

Sometimes "leaked" links come out and many will apply who weren't targeted. It happened last year around the holidays. The RAT team confiscated points and froze your entire MR balance until they were done with their investigation.

They're basically looking to police the terms with more scrutiny than ever, quite often leading to bs we shouldn't have to deal with. What if you were planning a Christmas trip and wanted to use points to book? You're screwed until they unfreeze the points. What about that $50 Amazon gift card you bought for a Christmas present? Yeah, cash equivalent, you're screwed. And don't even think about returning anything, that's a big red flag for the bloodhound RAT team.

You can also sometimes be targeted or find a link to a bonus offer without the lifetime rule which should allow you to get the bonus a second time. I did it with a business rewards gold card. There's also speculation the "lifetime" might fall off eventually, such as 7 years.
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