Can You Get 70K Bonus Starpoints By Applying For Both The Personal & Business SPG Amex?

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As I first wrote about yesterday, we’re seeing big increased sign-up bonuses on both the personal and business version of the SPG Amex:

This is the biggest ever sign-up bonus we’ve seen on these cards, so if you haven’t yet had these cards, it’s a no brainer to apply for them.

I’ve had several readers ask if they can be approved for both the personal and business SPG cards, and if so, how long they should wait between applications. To start, there are a couple of things to note about American Express applications in general:

  • Sign-up bonuses from American Express are “once in a lifetime” nowadays, so if you’ve gotten a sign-up bonus on a particular card before, you generally won’t be eligible for another bonus on that card
  • With American Express, you generally can’t have more than four charge cards and five credit cards at a given time, including both business and personal cards; it doesn’t matter what the split is between personal and business cards, but rather what matters is the split between credit and charge cards (some report being limited to four credit cards, though as a general rule of thumb the limit seems to have been lifted to five credit card)

So, assuming you meet the above criteria, can you be approved for both the SPG Personal Amex and SPG Business Amex?

You sure can be, and you can even apply on the same day (with some other issuers, that would generate an automatic denial on one card, which shouldn’t happen here). If you apply for both cards the same day, there are two scenarios that are most likely to happen:

  • You could get approved for both cards same day, given that one is a business card and one is a personal card
  • You could have one application delayed a bit, in which case one card could be approved almost instantly, while the other one would automatically be processed a few days later

The point is, generally speaking there’s no issue with applying for both the SPG Personal Amex and SPG Business Amex in one day. They’re great offers, and there’s a chance you could get approved for both cards in a day. But if you don’t, the other application will just automatically be delayed a bit, and will then go through the standard approval process.

Lastly, keep in mind that in the unlikely you event you get denied for a card, generally a denial won’t count negatively impact your credit score, as Amex typically doesn’t pull your credit if you’re denied for a card, assuming you’re an existing cardmember.

Lobby of the St. Regis Abu Dhabi

Bottom line

You can indeed apply for both a business and personal American Express card in a day, and stand a good chance at getting approved. If they don’t want to approve you for both in one day, one application will just be delayed by a few days. I still generally think applying for both same day is the best bet.

Just keep in mind the restriction about only being able to have five credit cards and four charge cards from American Express.

70,000 Starpoints for reaching the minimum spend on two credit cards is awesome, so I’d seriously be considering the SPG Personal Amex and SPG Business Amex if you don’t have them yet.

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  1. A shame this is exclusive to US customers. Amex Canada doesn’t have these offers available on their site.

    CAD – SPG Personal card is $120 annual fee with 20,000 points after $1,500 spend.
    CAD – SPG Business card is $150 annual fee with 20,000 points after $1,500 spend.

  2. Lucky,

    I’ve had this card before, but failed to meet the minimum spend for a bonus. Any chance I can reapply and qualify for the bonus?


  3. I applied for SPG Amex Business, in December 2015. Back then I had the personal SPG Amex for 6 year.
    I was approved for SPG Amex Business but was told that I am not eligible for the sign up bonus because I have the personal version of the card. I did not object. Was the representative right?

  4. @ RM — They should be considered separate products. I’ve never heard of someone not getting the bonus on the business version due to already having the personal version.

  5. if i had the personal 7+ years ago (and closed 6+ years ago), is that info purged from AMEX for bonus points purposes?

  6. @ mike — Odds are good that you may still get approved if it goes that far back. I’d recommend starting an online chat on Amex’s website and asking them if they have record of you having the card before. If they don’t, you should be eligible again.

  7. as a follow-up, did the chat with AMEX and found out that I closed a personal SPG card in Dec 2009. apparently it goes back that long. oh well, biz card it is since i know i don’t have one 😉

  8. @Mike

    Really? I thought Amex only kept records for 7 years. I was told as much by a CSR who counseled me about what a lifetime meant for Amex.

  9. @Credit
    Yes, they even told me exact date in Dec 2009 that i closed the account. Took less than a minute. I guess Dec 2009 is just over the 7 years…. i’ll ask later on this year just for kicks and see if it gets wiped out.

  10. Lucky,

    Is the “once in a lifetime” bonus restriction new? I picked up the personal and business cards in 2013. And then the business card again in 2015, receiving a second bonus. At the time, the published rule was the bonus can be collected only once every 24 months, correct?

  11. I have the personal card and want to get the business card. Can I refer myself to get the referral points as well?

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