Reconsideration Phone
Personal Cards
800.528.4800
Business Cards
800.492.3344

Associated Point Systems

Breaking Points

June 19, 2026

Marriott Bonvoy Business: 150k Points Bonus

Update: While this elevated offer has been available for more than a month, there was previously no way to refer someone to the Marriott Bonvoy Business card. Referrals are now live. If you have any Membership Rewards-earning Amex card, you can refer to the Marriott Bonvoy Business card. Referral bonuses vary by card, so be sure to check all of your Amex cards if you have multiple options.

Marriott Bonvoy Business is offering 150,000 points plus a $125 statement credit after spending $8,000 in the first 6 months. That's up from the standard offer of 3 free night awards after spending $6,000 in 6 months. The annual fee is $125. Offer expires 7/15/26.

June 5, 2026

Delta SkyMiles Platinum Business: 100k Bonus

Delta SkyMiles Platinum Business offering 100,000 miles after spending $8,000 in 6 months. That’s up 30,000 miles over their standard offer of 70,000 miles, which requires $6,000 in 6 months. The annual fee is $350. Offer expires 7/15/26.

June 5, 2026

Delta SkyMiles Gold Business: 90k Bonus

Delta SkyMiles Gold Business is offering 90,000 miles after spending $6,000 in 6 months. That’s up 30,000 miles over their standard offer of 60,000 miles, which requires $4,000 in 6 months. The annual fee is $0 for first year, then $150 starting in year 2. Offer expires 7/15/26.

June 5, 2026

Delta SkyMiles Reserve Business: 125k Bonus

Delta SkyMiles Reserve Business is offering 125,000 miles after spending $15,000 in 6 months. That’s up 45,000 miles over their standard offer of 80,000 miles, which requires $12,000 in 6 months. The annual fee is $650. Offer expires 7/15/26.

Bank

American Express

Visit American Express

The Highlights

American Express is a core bank to the points strategy. But because it has looser approval strategies, we recommend applying for Amex cards after Chase and Capital One. (Amex Membership Points review can be viewed here>)

Amex Business cards don’t show up on your personal credit report. That’s a great advantage because you can get Amex cards virtually any time without it impacting your points strategy. Additionally, if you’re an existing Amex card holder and apply for an Amex Business card, you won’t even get a credit inquiry on your credit report.

The ‘bad” news? Amex has a “one bonus per lifetime” per card limitation -- so generally, you want to wait for special limited-time offers to maximize the points on the only time you’ll be allowed to get the bonus. You can qualify for variations of that card, however. For example, you can get the Amex Delta Gold bonus one year… then later get the Amex Delta Platinum card, and the Amex Delta Platinum Business card when their bonuses are beefy.

Amex is a virtual treasure trove of points that you can qualify for nearly anytime. Just don’t abuse it. We recommend keeping at least one Amex card with an annual fee long term, showing you’re a loyal customer. Other approval rules are below>

When points appear

American Express points usually show up 1 or 2 days after the charges are finalized. Normal spending will always post a day or two after the following statement has closed.

Application Rules

No 5/24

Card approval not subject to 5-personal-cards-in-24-months rule

Amex 1/7

Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card)

Amex Popup Jail

After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus

What to Know Before Canceling

Before you close a credit card, you should double-check that you’ve maxed out every available benefit. If your card offers annual statement credits, find a way to use those up.