Home Credit Cards Why I’m Paranoid About Meeting An American Express Spending Requirement

Why I’m Paranoid About Meeting An American Express Spending Requirement

by joeheg

It’s been a while since I signed up for an American Express card and needed to meet a minimum spending requirement. In that time, AMEX has founded the Rewards Abuse Team (affectionately called RAT). Please stop saying it’s the RAT Team because that would be the Rewards Abuse Team Team. But if you say that, you probably still type in your PIN number at the ATM machine. If you don’t get that joke, maybe someone will explain it to you.

The RAT Ream’s job is apparently to find any reason to deny a signup bonus to any cardholder they feel is trying to game the system and sign up for cards just for the bonuses. Why AMEX thinks this practice is a bad idea would make you question why they offer huge bonuses in the first place if it’s bad for business but better to put the blame on the customers, right?

A big no-no for AMEX is buying gift cards to meet minimum spending requirements. The presence of a single gift card purchase has been the reason for the RAT to deny a bonus, even if you’d otherwise meet the requirement without it.

So now, while we’re trying to meet the minimum spend on our AMEX card, I’m watching every purchase, making sure there’s nothing to put up a warning flag. I’m not buying any gift cards, not even a $50 Starbucks card at a drugstore to give as a farewell gift to a co-worker.


I guess this is just an extension of my overly cautious approach to earning miles and points. While I want to earn enough points to allow us to travel in comfort and style, I’d prefer to just coast along under the radar and not make any waves.

Am I being overly cautious or just careful?? What’s your experience? How much has the AMEX RAT let you get away with before they slam the door in your face?

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This post first appeared on Your Mileage May Vary



1 comment

Sparkle Pony March 14, 2019 - 9:59 am

I’m trying to dip my toe back into the Am Ex pool after being completely fed up with their inconsistent customer service. I was shocked to see a bonus post before I thought it should. Maybe we technically met the minimum spend, but it was considering credits part of the total. The net wasn’t the minimum spend, but it posted anyway. I’m torn between letting it sit there and see what happens, or cashing out the points before they’re clawed back. I’d keep putting more spend on the card to be on the safe side, but I’m working on another minimum spend. And god knows I’m not going to buy some gift cards for future use!


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