Amex Marriott's Changing Landscape: Referral Edition

At RewardSmart, we're always analyzing the fine print to help you maximize your credit card rewards. Recent changes to American Express Marriott Bonvoy card welcome bonus eligibility have caught our attention. It appears Amex is cracking down on individuals repeatedly earning welcome bonuses across their Marriott card portfolio.

However, an interesting anomaly exists: referral links. While the standard application pages for these cards now explicitly state stricter eligibility requirements (usually related to having or having had the same card in the past), referral links may not yet reflect these changes. This creates a potential, albeit temporary, opportunity.

How to Potentially Benefit

Here's the situation: If you've previously held a specific Amex Marriott card and earned a welcome bonus, you might now be ineligible to earn another bonus on that same card via a standard application. However, if a friend or family member refers you using their referral link, the application might not yet be subject to the same restrictions.

Important Considerations:

  • Act Quickly: This loophole, if it exists, is unlikely to last. American Express will likely update referral links to reflect the new eligibility rules soon.
  • Read the Terms Carefully: Before applying through a referral link, carefully review the terms and conditions presented during the application process. Pay close attention to the welcome bonus eligibility language. If it includes the restrictive language, the opportunity is gone.
  • No Guarantees: Even if the language isn't present, approval isn't guaranteed. Amex still considers your overall creditworthiness and relationship with them.
  • Referral Bonuses for Referrers: Remember, the person providing the referral also benefits. They'll typically earn a bonus for each approved referral, up to a certain annual limit (e.g., 15,000 Marriott Bonvoy points). This is a win-win if you have a friend or family member with a Marriott card.

RewardSmart's Recommendation

If you've been eyeing another Marriott Bonvoy card and were previously deemed ineligible due to past card ownership, explore the referral link avenue. Ask friends or family members who hold an Amex Marriott card to generate a referral link for you. Carefully review the terms and conditions during the application process. If the restrictive language isn't present, consider applying, but understand there's still no guarantee of approval or bonus eligibility. Don't delay, as this opportunity is likely short-lived. Always prioritize responsible credit card usage and avoid applying for cards solely for the welcome bonus if you cannot meet the spending requirements or manage your credit responsibly.

Disclaimer: Credit card terms and conditions are subject to change. Always verify the latest information directly with American Express before applying for a card.