AMEX 同类信用卡限制介绍【2023.10 更新：Blue Cash 系列也有限制了！】

【2023.10 更新】现在 Blue Cash 系列也增加了同类卡限制，主要是排除了 Morgan 版本、年费版本，甚至 Cash Magnet 也被加入。总之这不是一个好消息，详细看下面正文的更新

关于同类卡限制

我们知道 AMEX 有著名的一生一次奖励的限制，也就是你拿过某个名称的卡的奖励，之后就算关卡了再次申请，也无法获取奖励。

• AMEX 信用卡开卡奖励一生一次（lifetime restriction）介绍和破解办法（如需链接请点击文末阅读原文获取）

但是，之前 AMEX 一直没有同类卡限制，同一类卡的每一张的开卡奖励都是单独算的。举个栗子，AMEX Blue Cash EveryDay 和 Blue Cash Preferred 就是同类卡，你可以先申请前一张，然后申请后一张，都能拿到奖励。类似的，Everyday 和 EveryDay Prferred 也可以。

不过近期 AMEX 貌似开始对同类卡也开始施加限制了，主要是 AMEX Platinum 系列、 Delta 系列、Blue Cash 系列，下面我们来简要介绍一下

Blue Cash 系列（2023.10 增加）

Blue Cash Every Day 增加了下面的限制，排除了年费版、Morgan 版和另一张返现卡

• 如果你持有这张卡或者之前持有过（一生一次限制）

• 持有或者持有过 Cash Magnet 信用卡或者其老版本（同类卡限制）

• 持有或者持有过 Blue Cash Preferred 信用卡或者其老版本（同类卡限制）

• 持有或者持有过 Morgan Stanley Blue Cash Preferred 信用卡或者其老版本（同类卡限制）

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Cash Magnet® Card, the Blue Cash Preferred® Card, the Morgan Stanley Blue Cash Preferred® American Express Card or previous versions of this Card. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

Blue Cash Preferred 增加了下面的限制，排除了 Morgan 版本

• 如果你持有这张卡或者之前持有过（一生一次限制）

• 持有或者持有过 Morgan Stanley Blue Cash Preferred 信用卡或者其老版本（同类卡限制）

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Morgan Stanley Blue Cash Preferred® American Express Card, or previous versions of these Cards. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

其他的卡暂时未提到

Delta 系列（2023.9 增加）

个人卡

Delta 个人卡新加了限制，总结一下就是，如果你持有或者持有过更高年费的 Delta 卡，那你申请这张卡将无法获取开卡奖励。具体如下

AMEX Delta Blue 的申请 term 如下，下面五种情况将无法获取开卡奖励

• 如果你持有这张卡或者之前持有过（一生一次限制）

• 持有或者持有过 Delta Reserve 信用卡或者其老版本（同类卡限制）

• 持有或者持有过 Delta Platinum 信用卡或者其老版本（同类卡限制）

• 持有或者持有过 Delta Gold 信用卡或者其老版本（同类卡限制）

• 持有或者持有过 Delta Option 信用卡或者其老版本（同类卡限制）

You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Options Credit Card, the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Delta Gold 的申请 term 如下，下面三种情况将无法获取开卡奖励

• 如果你持有这张卡或者之前持有过（一生一次限制）

• 持有或者持有过 Delta Reserve 信用卡或者其老版本（同类卡限制）

• 持有或者持有过 Delta Platinum 信用卡或者其老版本（同类卡限制）

You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Delta Platinum 的申请 term 如下，下面两种情况将无法获取开卡奖励

• 如果你持有这张卡或者之前持有过（一生一次限制）

• 持有或者持有过 Delta Reserve 信用卡或者其老版本（同类卡限制）

You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Delta Reserve 的申请 term 如下，下面这情况将无法获取开卡奖励

• 如果你持有这张卡或者之前持有过（一生一次限制）

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

商业卡

暂时都是只有一生一次限制，term 类似于下面 

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Platinum 系列（2023.8 增加）

Platinum 系列卡的开卡奖励 term 有了不好的更新。现在不同风味的 Platinum 卡的开卡奖励可能互相冲突了。

这是 Platinum 的 term，意思是你如果持有过 Morgan 和 Schwab 的版本，将无法拿到 Plaitnum 的开卡奖励 

You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Platinum Schwab 也有了同样的更新，意思是你如果持有过 Platinum 或者 Morgan 的版本，将无法拿到 Schwab 版本的开卡奖励 

You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

 Platinum Morgan Stanley 暂时还没有添加限制 

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card.

其他系列

AMEX Blue Cash、AEMX Everyday 系列暂无同类卡限制，term 都只限制本卡的一生一次 

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

背后的逻辑

对于 Platinum 系列来说，自家和联名的版本绝大多数福利是完全相同的，而联名版本会有一些特别的福利。所以 AMEX 认为如果你有了福利更多的 Schwab 和 Morgan 版本，再去申请自家的版本，是不符合逻辑的，很可能是某些为了开卡奖励的人专门去弄的。所以增加这样的限制可以杜绝一些羊毛党，而不影响正常申请的人。

而限制 Delta 方面，规律是如果你有了更高级别的 Delta 卡，再申请低级别的就不会有开卡奖励。逻辑就是高级版的你享受了福利，没道理又申请低阶版本，如果申请一定是薅羊毛拿奖励的。而低的版本如果你觉得好用，再申请高级版本的是符合逻辑的，所以奖励还是可以获取。

申请指南

由于申请限制限制不是完全互相排斥，我们可以先申请限制多的卡，比如先申请 Delta Gold，然后 Platinum，然后 Reserve，这样都可以获取开卡奖励。Platinum 可以先申请自家或者 Schwab 版本，再申请 Morgan 版本。

此外，AMEX 在 term 中也提到了弹窗的问题，如果出现弹窗，你强行申请也是拿不到奖励的，意思是同类卡排斥的情况他会提醒你。所以如果你被限制，同时有弹窗，就不要浪费时间了。其实这也有好处，对于某些特殊的破解链接，没有一生一次限制和同类产品限制，这就不会有弹窗，那么你就大概率能拿到奖励

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