Did you know that American Express cards with lifetime language aren’t always really lifetime language cards, and vice-versa? As of the last several months, true. Let’s enter the crazy world of American Express together: it’s not the card terms and conditions that seem to dictate whether or not you get a bonus in 2021, but rather if you get a popup window telling you that you won’t get the bonus during the application process then you won’t, and if you don’t get the popup you will. Of course, you won’t have a great case for getting the sign-up bonus if it doesn’t post and you were relying on this trick, so caveat emptor, which I’m pretty sure is Latin for “American Express can be played, but sometimes the player becomes the played”.

Given the above, and given some crazy offers around right now, if you have any capacity for another American Express charge card (supposedly the limit is ten, but I have eleven) then perhaps consider both of these:

  • Business Platinum card: 150,000 Membership Rewards sign-up bonus + 10,000 Membership Rewards bonus for adding an employee card. There is a $15,000 minimum spend in three months requirement for the bonus.
  • Business Gold card: 90,000 Membership Rewards sign-up bonus + 10,000 Membership Rewards bonus for adding an employee card. This one has a $10,000 minimum spend in three months for the bonus. (Thanks to dannydealguru on Reddit for this link)

The Business Platinum card in particular pairs well with a new American Express offer for 10% back on purchases at Dell, up to $150 total cash back for up to $1,500 in spend before December 15. With that offer, you can combine a periodic Xbox Gift Card promo code with your $100 twice-annual credit, and for any amount you go over earn 10% back. If you don’t have a Business Platinum though, check for the offer on your other American Express cards, it’s just not as exciting.

One final hint, employee cards are different than authorized user cards with American Express, they’re much easier to get and the bar is much lower.

Pictured: How high you have to jump to cross the employee card bar with American Express.