{"id":6243,"date":"2023-01-13T04:00:00","date_gmt":"2023-01-13T11:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=6243"},"modified":"2024-08-11T13:55:16","modified_gmt":"2024-08-11T19:55:16","slug":"types-of-american-express-nll-offers","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2023\/01\/13\/types-of-american-express-nll-offers\/","title":{"rendered":"On American Express NLL Offers"},"content":{"rendered":"\n<p>There&#8217;s been recent discussion on both&nbsp;<a href=\"https:\/\/milesearnandburn.com?mailpoet_router&amp;endpoint=track&amp;action=click&amp;data=WyIyIiwiMTZmZmQ5IiwiMjIxIiwiNzVjNzdlZWFiOTBkIixmYWxzZV0\" target=\"_blank\" rel=\"noreferrer noopener\">reddit<\/a>&nbsp;and MEAB slack about American Express no-lifetime language (NLL) links, but information is scattered and not always consistent. So, let&#8217;s discuss:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Generic No-Lifetime Language Links<\/h3>\n\n\n\n<p>There are a few different flavors of no-lifetime language (NLL) business links out there. First, the generic versions which are always around and were&nbsp;<a href=\"https:\/\/milesearnandburn.com?mailpoet_router&amp;endpoint=track&amp;action=click&amp;data=WyIyIiwiMTZmZmQ5IiwiMjIxIiwiOGIxM2MzMjI1ODMwIixmYWxzZV0\" target=\"_blank\" rel=\"noreferrer noopener\">last discussed here in April of last year<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.americanexpress.com\/en-us\/campaigns\/small-business\/credit-cards\/blue-business-cash\/limited-time-offer\/\" target=\"_blank\" rel=\"noreferrer noopener\">Blue Business Cash<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.americanexpress.com\/en-us\/campaigns\/small-business\/credit-cards\/blue-business-plus\/limited-time-offer\/\" target=\"_blank\" rel=\"noreferrer noopener\">Blue Business Plus<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.americanexpress.com\/en-us\/campaigns\/small-business\/bundles\/business-gold-employee-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Business Gold<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.americanexpress.com\/en-us\/campaigns\/small-business\/bundles\/business-platinum-employee-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">Business Platinum<\/a><\/li>\n<\/ul>\n\n\n\n<p>The generic links are worth checking periodically, sometimes not a single one will work for a given account one day, and then all of them work the next day; American Express&#8217;s targeting changes quickly. It&#8217;s easy to pick out a generic link because the full URL is readable, something like:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-embed\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/www.americanexpress.com\/en-us\/campaigns\/small-business\/bundles\/business-gold-employee-card\n<\/div><\/figure>\n\n\n\n<p>I consider generic NLL links as completely safe for any account because they&#8217;re targeted, and American Express will prevent the application from processing if you&#8217;re not targeted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Offer Code Specific No-Lifetime Language Links<\/h3>\n\n\n\n<p>Other times we&#8217;ll see offer code specific no-lifetime language (NLL) business links out there, such as the&nbsp;<a href=\"https:\/\/milesearnandburn.com?mailpoet_router&amp;endpoint=track&amp;action=click&amp;data=WyIyIiwiMTZmZmQ5IiwiMjIxIiwiNDlkYmJiZGE2MmI0IixmYWxzZV0\" target=\"_blank\" rel=\"noreferrer noopener\">250,000 Membership Rewards link that was hidden in this post<\/a>. Those links look like:<\/p>\n\n\n\n<figure class=\"wp-block-embed\"><div class=\"wp-block-embed__wrapper\">\nhttps:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/business-platinum-charge-card\/61303-9-0\/#\n<\/div><\/figure>\n\n\n\n<p>The main distinguishing factor is the number at the end of the URL, an offer or marketing code. These links fall on a range from safe to scary.&nbsp;<\/p>\n\n\n\n<p>It can be tricky to tell where a given link lies on that spectrum, but the scariest ones are &#8220;post-targeted&#8221; links, meaning that the link bypasses the targeting check part of an application workflow. You can typically tell if a link is post-targeted because the application flow doesn&#8217;t have anywhere for&nbsp;<a href=\"https:\/\/milesearnandburn.com?mailpoet_router&amp;endpoint=track&amp;action=click&amp;data=WyIyIiwiMTZmZmQ5IiwiMjIxIiwiMDhmYWE0NTgyMDYyIixmYWxzZV0\" target=\"_blank\" rel=\"noreferrer noopener\">the popup<\/a>&nbsp;to appear, it&#8217;s a single page with a submit application link at the end that doesn&#8217;t even need you to login.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Clawbacks and Shutdowns<\/h3>\n\n\n\n<p>What does unsafe mean when you&#8217;re using a link? It means one of two things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your sign-up bonus is clawed back (<a href=\"https:\/\/milesearnandburn.com?mailpoet_router&amp;endpoint=track&amp;action=click&amp;data=WyIyIiwiMTZmZmQ5IiwiMjIxIiwiYTkwMjBjNzRkNjI0IixmYWxzZV0\" target=\"_blank\" rel=\"noreferrer noopener\">this happened en-masse in 2016<\/a>)<\/li>\n\n\n\n<li>A single card or your entire card portfolio is closed<\/li>\n<\/ul>\n\n\n\n<p>I&#8217;m unaware of any shutdowns from using generic NLL links, ever. I am aware of of shutdowns for using offer code specific post-targeted NLL links, but the last confirmed data point is a couple of years old, which seems to mean that American Express cares less about post-targeted links than they used to for some unknown reason.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Going Plaid<\/h3>\n\n\n\n<p>This wouldn&#8217;t be MEAB if we didn&#8217;t discuss the possibility of a bit of shenanigan-like behavior, so let&#8217;s dive in friends: If you stumble upon an offer code specific NLL and you&#8217;re targeted for a generic NLL at the same time, you can probably be approved for both on the same day. Additionally, if you stumble upon a few different offer code specific links, you can probably be approved for both of those on the same day too. Always be probing!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"380\" height=\"240\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2023\/01\/amex-bp.webp\" alt=\"\" class=\"wp-image-6248\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2023\/01\/amex-bp.webp 380w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2023\/01\/amex-bp-300x189.webp 300w\" sizes=\"auto, (max-width: 380px) 100vw, 380px\" \/><figcaption class=\"wp-element-caption\">American Express going plaid. <\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>There&#8217;s been recent discussion on both&nbsp;reddit&nbsp;and MEAB slack about American Express no-lifetime language (NLL) links, but information is scattered and not always consistent. So, let&#8217;s<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":2,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[54,62,56],"tags":[],"class_list":["post-6243","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-shenanigans","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/6243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=6243"}],"version-history":[{"count":11,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/6243\/revisions"}],"predecessor-version":[{"id":10118,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/6243\/revisions\/10118"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=6243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=6243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=6243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}