American Express USA bans card churning …. UK to follow?
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Follow a number of rumours in recent weeks, American Express’s USA operation has now confirmed that card ‘churning’ will not be allowed from 2nd May.
Here is the statement that it issued:
In order to ensure fairness and clarity with our Card Members, we will be making a change to our acquisition incentive control rules for American Express Consumer Cards. Beginning May 2, 2014, welcome bonus offers will not be available to applicants who have or have had the Card they’re applying for. For example, if a Card Member once had or has a Platinum Card, they will not be eligible to receive a welcome bonus offer on a new Platinum Card application.
Just so everyone is clear, there is currently no public statement that this will also apply to the UK market. However, it would be naïve to believe that a policy brought in for the US market will not eventually appear here.
In general, I would not consider this to be a major disaster for anyone if it was implemented.
If Amex brought in exactly the same policy – which means that you cannot get EXACTLY the same card twice and still receive a sign-up bonus – then you would still be able to obtain the following cards over a period of a couple of years:
American Express Preferred Rewards Gold – 20,000 Membership Rewards points
American Express Platinum – 30,000 Membership Rewards points
British Airways American Express Premium Plus – 25,000 Avios
British Airways American Express – 9,000 Avios
Starwood Preferred Guest American Express – 21,000 SPG points
The bonuses quoted above are all current with the exception of SPG, which is offered at this rate once or twice a year.
Assuming you converted all these points into Avios, you would earn 110,000 Avios points.
And your partner could do the same!
Someone who was really keen could also apply for the American Express Nectar card and receive 20,000 Nectar points, worth £100 of easyJet credit. If you are self employed, there could be a further 20,000 Avios from the American Express Gold Business card and (occasionally, not at present) 60,000 Avios from the American Express Platinum Business card.
If that is ‘the worst case scenario’ then, frankly, it seems a pretty good one to me.
There are a small number of people who are now on their 4th, 5th or more Amex Gold card, having cancelled and reapplied on a regular basis over recent years – each time with a 6-month gap. If such a restriction was launched here, these people would clearly lose out.
This is a tiny minority, however, even amongst Head for Points readers. The only American Express card I have ever had more than once is the SPG Amex, which I have had twice. I have also had a Platinum card since 1999 and a British Airways Premium Plus since it was launched in 2002ish, so I think American Express is doing OK there.
It is also worth noting that American Express is not saying that you cannot apply for a card which you have previously cancelled. It is simply saying that you cannot receive another sign-up bonus if you are accepted. All other benefits will still be provided.
To clarify again – there is currently no formal plan to change the rules in the UK to match the new rules in the US. But it would not be the end of the world if they did.
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Want to earn more points from credit cards? – April 2025 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

British Airways American Express Premium Plus
30,000 Avios and the famous annual 2-4-1 voucher Read our full review

The Platinum Card from American Express
80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard
18,000 bonus points and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review

Capital on Tap Visa
NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

British Airways American Express Accelerating Business
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
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