Note: The 30K AMEX SPG sign up bonus has ended, the 25K offer remains.
I recently tested churning the American Express Starwood Preferred Guest personal credit card. I cancelled a year ago and reapplied on August 25, 2013 in attempt to receive the 30,000 sign up bonus again. I was approved, received my card, and called in to verify the bonus. Success!
Although I only tested churning the AMEX SPG personal credit card, I believe that the business credit card should have the same restrictions of receiving the bonus after 12 months of cancellation. The personal and business credit card are treated as two completely different products. This means that you can hold the personal and business credit card at the same time. One could conclude that both the AMEX SPG personal and business credit cards are churnable.
Earning American Express Starwood Preferred Guest 30K Bonus Every Year
For this strategy, I would apply for the AMEX SPG personal card first. After a year, I would cancel the card and sign up for the AMEX SPG business credit card. The next year I would apply for the AMEX SPG personal credit card again because you can receive the bonus every 12 months. Since the personal and business credit card are separate products, I would think you could alternate between both products. Here is my timeline and future plan:
- Applied for AMEX SPG personal credit card on 9/22/11
- Cancelled my AMEX SPG personal credit card on 8/22/12
- Applied for AMEX SPG business credit card on 8/8/12
- Applied and approved for 2nd AMEX SPG personal credit card on 8/25/13
For my future plan:
- Cancel my AMEX SPG business credit card as soon as annual fee hits
- Reapply for AMEX SPG business credit card in 9/2014 to earn the SPG 30K bonus again.
- Cancel AMEX SPG personal credit card on 9/2014 when annual fee hits
By alternating between the AMEX SPG personal and business credit cards, I should be earning the AMEX SPG 30K bonus every year if the 30K bonus occurs during this time each year as it has in the past. I’m not 100% sure that this strategy will work, but I’ve analyzed the situation and so far I’ve been approved for the AMEX SPG personal credit card for the 2nd time. I called to verify the bonus, so everything is working according to plan so far. I took a risk applying for the AMEX SPG personal credit card a 2nd time and it paid off this time. Hopefully my efforts and experimenting will help you. Today is the last day to apply for the AMEX SPG cards, good luck!
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