When it comes to American Express, one of their most famous sign up bonus rules involves being able to earn a sign up bonus only one time in your life. However, there are a couple of ways around that rule, and one of those ways is the upgrade path. In the case where there are multiple tiers of credit cards inside the same company (Hilton, Delta, Marriott, etc) you can upgrade or downgrade every so often. Just make sure to do it in a safe way! Otherwise American Express will clawback those bonuses.
If you have the existing $95 American Express Marriott Bonvoy card (SPG card), there may be an offer for you to upgrade to the $450 Marriott Bonvoy Brilliant card (SPG Luxury). The offer may either show up in an email or directly through American Express when you log into your account and click on offers.
The offer is good for either 50,000 Marriott points after $2,500 in spending within the first 3 months, or 100,000 for spending $5,000 within the first 3 months.
While many people were upset when the points for everyday spend were dropped from 3 SPG to 2 SPG points, I always thought that the SPG luxury card was worth it. Sure, it charged a $450 annual fee, but it gave you a ton of benefits including a $300 credit for staying at the hotel, and the free night.
With the Marriott makeover, the card hasn’t changed too much, and I still really like the card. However, being the American Express card, it would be a bad idea to take an upgrade offer for this card, especially if it were the 100,000 offer. If you are only targeted for the 50,000 offer, than it may be worth holding off until you can get the other one.
Have you been targeted for the 100,000 offer? Is this worth taking in your opinion? Let us know below!