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In 2014, American Express changed its churning rules so that you could only get the bonus on a personal credit card once per lifetime.

Now the rule has been extended to business cards.

This follows the general trend of tightening the giving of bonuses by banks. For instance, Chase is about to institute a rule that you’ll be denied for a credit card automatically if you’ve opened five other credit cards in the last 24 months.

I expect to see further tightening, and I expect the changes to be profitable for the banks. Other bloggers who suggest it will be unprofitable are engaging in wishful thinking in my opinion.

I have updated the post “Issuing Bank Rules for Approvals and New Bonuses.”

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 80,000 points after $4,000 spend in the first 3 months and 2x points earned on dining and travel spend, this card truly cannot be beat for getting started!


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