This is your last chance to get repeat bonuses on your favorite American Express personal cards.

Currently you can get the sign up bonus on an American Express personal card every 12 months. So if you got the bonus on, say, the SPG card in February 2013, you can get it again today.

Starting May 1, you will not be able to get a sign up bonus on an American Express personal card if you have ever gotten that bonus in the past. (American Express Business Cards will still follow the 12 month rule for now.)

In fact, language has already been added to American Express personal card applications that “This offer is also not available to applicants who have or have had this product.”

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But, according to American Express chat reps, that language has been added in advance of the May 1 change only in case you apply today and your application isn’t approved until after May 1. According to those chat reps, you can still be approved for an American Express personal card until May 1 and get its bonus even if you got it in the past.

I am planning to apply today for a few American Express personal cards, which I have previously opened. I figure that applying now gives me the maximum chance to approved before May 1 if I am not approved instantly.

Leave your experiences in the comments.

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