MileValue is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more.

Note: Some of the offers mentioned below may have changed or are no longer be available. You can view current offers here.

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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from 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 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are the author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.