Did you survive the Amex 100K clawback?

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Somebody at Amex must have been really pissed that a 100K offer for the Amex Platinum card was erroneously let loose on Reddit back in May.  With similar situations in the past Amex has taken down the offer, but fully honored the deal for those who got in on it.  This time it was different…

The first indication that something was wrong was from those who earned the bonus right away and then tried to redeem points for airline miles.  Many found that their Membership Rewards accounts were frozen while Amex investigated those accounts.

100K Clawback

100K Clawback
Later, reports of clawbacks began trickling in.  Amex was actively taking back those 100,000 points.  They sent letters that stated the following:

We are writing to let you know that, after careful review of your Membership Rewards account activity, we have removed points from your Membership Rewards program account.  Please ensure that any Additional Card members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance.

Why We Are Removing Your Points
We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate.  Please recall that the Membership Rewards program terms and conditions state that “if you attempt to use or obtain points in a fraudulent way, we may:

  • Take away all points in your program account,
  • Cancel your program account, or
  • Cancel any of your American Express Cards”

Your Options
If you have any questions about this letter, or if you believe that the points have been removed in error, please contact us at 1-800-AXP-EARN (1-800-297-3276).

Fact Check: Do the Membership Rewards terms & conditions really say that?

I found the Membership Rewards terms & conditions online here: membershiprewards.com/terms.  On that page, I clicked on the tab titled “ADDITIONAL TERMS” and did indeed find the above quoted language.  If you attempt to screw with them in a fraudulent way, the terms do indeed say that they have every right to screw you back.

Why the clawbacks?

While I have no inside knowledge of this, it seems to me that someone high-up at Amex has decided to go after the Reddit Churning crowd with a vengeance.  People have reported to me the following reasons given by Amex for the clawbacks:

  • Manufacturing spend
  • Improper returns
  • Once per lifetime rule
  • Closing the account too early

Each of the above requires a brief explanation:

Manufacturing Spend

Amex doesn’t actually have any explicit rules against manufacturing spend per se, but their new card bonus terms routinely state the following (underlining is mine):

The following charges do NOT count towards the Threshold Amount: fees or interest charges; balance transfers; cash advances; purchases of travelers checks; purchases or reloading of prepaid cards; or purchases of other cash equivalents.

Many manufactured spend techniques involve buying and liquidating Visa or MasterCard gift cards, which are prepaid cards.  So, those who met the offer’s $3000 spend requirement by buying gift cards are out of luck.  Even though Amex has never enforced these terms before to my knowledge, they have every right to do so now.

Improper Returns

Some people have been known to meet spend requirements by making large refundable purchases and then returning those items after receiving their points.  If that is done deliberately, then I’d agree that it was an attempt to obtain points in a fraudulent way.

The problem here, of course, is that returns are often legitimate.

Once per lifetime rule

Some people were told that their points were reclaimed because they had a Platinum card before.  The signup bonus terms do indeed state: “Welcome bonus offer not available to applicants who have or have had this product.”

While Amex does usually enforce that rule, they don’t enforce it when you’ve had a different Amex Platinum product before. In several cases, I’ve heard from readers who previously had the Platinum Mercedes card or the Platinum Ameriprise card and were told that their 100K clawbacks were due to having had a “Platinum” card before.

This is a tough one.  Amex has never before treated the different Platinum products as the same product, but I can’t think of any rule that would prevent them from doing so if they wanted to.

Closing the account too early

Some credit card churners like to cancel their new cards as soon as they’ve received the signup bonus.  If done fast enough, its possible to avoid annual fees this way.  Some who did so had their points clawed back.

Personally I’ve never done this. When a card issuer offers a big signup bonus I’ll only take it one if I feel that the signup bonus outweighs the first year annual fee.  Then I’ll keep the card for a year before deciding if I want to keep it longer, downgrade it to a no fee card, or cancel it altogether.

My wife got the 100K Clawback despite never qualifying for the 100K offer in the first place

In the post “My 100,000 point Membership Rewards mistake,” I wrote about how my wife signed up for the 100K Platinum offer, but never received the 100,000 points.  The reason was that she actually had the personal Platinum card in the past. My records saying otherwise were wrong.

We were surprised when she received a letter identical to the one copied above.  “…we have removed points from your Membership Rewards program account.”  Uh, what?

We quickly logged into her account to see what had happened.  Apparently they were so hell bent on withdrawing 100,000 points that they did so before checking first to see whether she had ever received them.  Luckily, someone or something realized the mistake and quickly put the points back:


What had my wife done to deserve this clawback?  She had not bought any prepaid products with the card.  But, we had used her card to pay fees on a number of award tickets:


And, since she had picked Delta as her airline of choice, she received her $200 in airline fee credits:


But then we realized that the award flights didn’t work for us after all, so we cancelled them and got a refund from Delta:


I can certainly see why this pattern would appear to be fraudulent.  Since they quickly replaced the 100K points, we don’t have any reason to question Amex about this.

What can you do?

If you fulfilled the offer’s spend requirement through means other than purchasing prepaid products or cash equivalents, and if you didn’t do anything fraudulent in obtaining points, then you have every right to those 100,000 points, in my opinion.

I’d recommend the following steps:

  1. The letter states “if you believe that the points have been removed in error, please contact us at 1-800-AXP-EARN (1-800-297-3276)”.  Do that.  If necessary, demand to speak to a supervisor.  Most likely they’ll open a case for investigation.  I think it is worth doing that and giving Amex some time to resolve this on their own.
  2. If that doesn’t work, submit a claim notice to Amex (found here).
  3. If that doesn’t work, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB). Their website for filing complaints can be found here: www.consumerfinance.gov/complaint/
  4. If that doesn’t work, try mediation.  Details can be found on the Arbitration tab of the Membership Rewards Terms & Conditions web site.
  5. If that doesn’t work, try arbitration.  Details can be found on the Arbitration tab of the Membership Rewards Terms & Conditions web site.

Reader Experiences

Were your points clawed back?  If so, have you had any luck getting them reinstated?  Please comment below!

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I’m using plastiq to pay my rent, is that consider MS?


Thanks! Another question if u don’t mind, I just got spg bus and PRG personal 50k offer, on both I made purchase, met spending requirement 5k & 2k, and before statement closed some purchases were refunded yet Amex deposited the 50k MR & 25k star points? I’m planing on meeting the requirements still but was wondering how come they didn’t account for returns especially it was within the same statement?


What about purchases from Raise or the other GC reseller sites? Those should be fine right?


Even if I’m using the GCs to buy inventory to resell for my business?


If I’m using my Biz Platinum card to buy stuff on Ebay, what’s the best way to maximize cashback or points bonuses? This card doesn’t bonus any spend really, so the usual office store ebay GC won’t work. And I’m afraid to buy GCs from any of the resellers and face Amex’s wrath.


That’s what I’ve been doing, and it looks like electronics and computer parts isn’t included in the portal CB so looks like I’m not going to get anything. Ebay did do an 8% bucks offer so I got $80 back from purchases yesterday. Hopefully they’ll let me redeem those bucks on an ebay GC like they did a few weeks ago.

[…] did claw back some 100k bonuses recently, but as long as you not doing manufactured spend or trying to cheat in some other way, you […]


Hi Greg,

Is Plastiq safe to meet min spending? Thanks


Well in my case I got the 100k clawback because I closed my account on Aug 30. BUT the only reason I closed was because my points were frozen and I did about $500 of MS to meet the spend req. I would not take the risk of waiting to see whether Amex would unfroze my points (unlikely given all the FT data points) or not. I’M 100k MR poorer but $375 richer. Fair trade for the crappy way they handled this whole situation.


What happens if you transfer out your MR points to an airline etc to avoid a clawback.
Can they clawback points if they’ve been transferred out already?


Actually in this case you would get -100K points on your account and get charged about 2 cents/point


So you’re saying Amex is going to subtract 100K MR from your account in addition to charging you $2,000? Please explain.


Not additionally, I have read some people reported they got -100K on their account even though they spent the points already, and then Amex would later ask you to pay off the points.

[…] week I told the story of an Amex Platinum 100K offer that has led to many clawbacks.  Amex never intended for the offer to go public and so they found every excuse they could to claw […]


My husband and I both had all our points were frozen (but never clawed back). This included the points earned through platinum bonus and points from previous cards and spend. About two-thirds of minimum spend was reached through true spending, and 1/3 from gift cards purchased online. The points were frozen for several months and then unfrozen recently. I’ve transferred all of them to airlines just in case! Scared me to almost lose 500K worth of membership rewards points. From now one will no longer use gift cards to meet minimum spend and will be more judicious about Amex sign-ups.


Mine and my wife’s were clawed back due to purchasing of gift cards. It was done just 3 days before the prorated annual fee change and well after the time where I could complete the min spend in other ways. Really disappointed in how Amex handled this. I won’t be using them anymore as it put a very sour taste in my mouth.


People who say they won’t use Amex again because of the clawbacks just don’t get it. YOU didn’t fire THEM.


Some people also got points clawed back for closing the card “too early” or downgrading it. I’m not sure what “too early” means.


How early is “too early”? I like to keep my cards for awhile, at least for the whole year. I usually keep (and use them) for two or three years, unless they are real expensive.


There are a couple of scattered reports of folks who did NOT signup for the 100k offer who have had similar issues (freezes and/or clawbacks). There is one on FT recently and a couple on Reddit back some weeks ago. I sort of take those datapoints with a grain of salt given the small number so far but I would be less confident than you seem to be about this not expanding. My take is that higher bonus offers will likely draw more scrutiny going forward. I personally will be cautious about singing up for bonus offers that require high levels of spend that I cannot meet organically.

Also Amex appears to have backed off the different flavors of Plat are one product there are several reports (one very well documented report on FT with CFPB responses) where points have been restored after they were clawedback for this reason.


Mine were clawed back – all legit spend with no refunds besides the $200 airline credits. I opened a case as they stated they were clawed back due to refunds.

100k points were credited back about a week later – I had to call a couple times as the case took longer than I was told but all ended well.


mine were clawed back citing “closed too early” was that the reason for you? i did not do MS


Same thing, they said that I closed mine card before yearly payment


Here is a thought. For people who were given the reason of purchasing cash equivalents. Did they still give points for the spend but remove the 100k?


Yes they only removed 100k not the MR earned on spend.


Mine were clawed back 3 days before Amex changed their annual fee policy to no longer pro rate the annual fee. I was able to cancel and receive $375 back. The reason was because I had the MB and Ameriprise previously. When I received the letter it mentioned nothing about the previous cards but gave other BS reasons.

My wife also applied for this card. We transferred her 103k points from her account and then cancelled. She received $337.50 back of her annual fee.


I still have mine. I used some venmo and had an open Ameriprise card when I applied. I continue to put some spend on it. I’m nervous every time I log into my Amex account.


I’m glad they clawed back from people that cancel as soon as miles post to try and get the annual free credited – that’s just dirty and kills deals like this. On the other hand I think it’s crappy of AMEX to claw back people that buy gift cards – I mean they are still getting their kickbacks on those purchases. I can only guess they are doing it because they assume the people buying gift cards aren’t true high rollers, etc. I had my points frozen for 8-10 weeks but then released. By pure accident I didn’t have any MS in my spend – no idea they were looking at that, I fortunately just bought some appliances and paid a medical bill.


My wife survived. Most of the $3000 was spent via Plastiq, which I suppose is considered MS. But she had some other purchases as well, totaling about $3400. She also did PGGM for the airline credit.


when you say “survived” do you mean that she had points clawed back and then replaced? or amex ignored her entirely? plastiq for mortgage is my cornerstone of spend atm.

Jroll Junkie

Mine were clawed back as well…MS.

I cancelled and was told that I still would qualify for the bonus in the future if I ever decided to get the card again. Going to wait a year or so and try again….no worries, I was upset, so I went on a AOR and got 8 alaska cards…got a bunch of MS to do, but I’m flying in F on Cathay to SGN!

Great blog, thanks for helping understand how to travel the world in F.


I would not trust that statement that you will get the bonus. The terms (except for some targeted offers) usually state no bonus if you have ever had the product before (no mention of getting a bonus). I have also seen two CFPB responses from Amex from this debacle where they actually go back to CSR recordings and acknowledge that their CSRs gave incorrect information to the customer and then say essentially so sorry it is not their problem the CSR gave you incorrect information and they cannot be held responsible for it.


you got 8 Alaska cards in one day? 4 pers and 4 biz?
tell us everything please!

Jroll Junkie

2 pers 2 biz, wifey and I. 8 total. 240,000 alaska miles….I love flying Cathay F or J to hkg, stopover, then SGN or REP. If you never been to Asia, GO! its the best.


Why has this taken so long to get any visibility from.the blogs? If there is a new cc offer I see it posted and promoted all over the blogosphere but when a major bank starts cracking down on churners nary a peep (other than DoC and M2M). This is a fundamental shift in behavior from Amex and anyone who signs up for a CC from them should be warned to make sure their qualifying spend does not include GCs, prepaid or otherwise.


Got clawed back and called to complain the rep was acting as if I was committing fraud lol, I told her I hope AMEX goes on another wave of employee cuts and she becomes unemployed 🙂


My points were frozen for 8 weeks while Amex “reviewed” the account, but they were subsequently unfrozen (I was able to transfer to an airline partner) and no clawback occurred.

I had spent just a bit more than $3k when the points were frozen. Most was natural spend, but I had purchased $300 worth of gc during an office supply deal, so as soon as I realized that the account was being reviewed, I did some additional natural spend to make sure that I was above $3k even if Amex didn’t count the gc towards the bonus.

I guess I got lucky that I realized that the points were frozen before my bonus period expired so I had the chance to do additional spend…


Same here. Did a bit of MS during the initial spend period, got the bonus, started reading about the freezes, did some additional spend (via Plastiq) while still in the initial spend period. My points were frozen for 2 months, then unfrozen. No clawbacks. Yet.


Me as well… I wanted to transfer to Air France to fly Hawaii during summer and was found the transfer was not allowed… Called them and was told I need three full months after spending the minimum…I ended up not going to HI but later transferred points to AF and BA after the three month threshold. I am still keeping and using the card, though…


I was clawed back on August 19th because of gift card purchases (2k spent at GC.com). I also had 3k of additional qualifying spend within the first 3 months. I called MR and spoke to supervisors at least 10 times. I got all kinds of misinformation; one supervisor told me that it had taken me 4 months to complete my minimum spend, (even though facts were verifiable, she refused to actually go into the account and look.) Another supervisor told me it was against T&Cs to buy gift cards at all and that they could shut my accounts down as a result! I was told that my dissatisfaction was noted and that a higher up review was filed but never heard anything back from this “review.” I filed a claim with CFPB, attaching statements showing my legitimate spend and got a generic refusal letter saying that I hadn’t met minimum spend.I filed a second CFPB complaint that listed each charge individually with merchant, amount, date, and what exactly was purchased and I asked that they specifically tell me which charge would not qualify. Finally, a week ago, they responded to this second CFPB complaint and agreed to restore my 100k points. I’m still waiting for the points to post.


Nope. Since I don’t MS and I value my Amex relationship…… I don’t get the people who are short sighted and want to cancel so quickly to not pay annual fees etc… I got Amex Plat for the lounge benefit. Why would anyone MS the whole amount? I mean, don’t these people actually spend real


I got clawed back. I think we need to be very careful on any future Amex bonuses.


i can’t seem to get a clear answer on this? Is the purchase of gift cards from a single retailer (e.g. an amazon gift card from amazon) considered manufactured spending?


Mine is still alive. Is amex done with the clawbacks for now?


i can’t seem to get a clear answer on this? Is the purchase of gift cards from a single retailer (e.g. an amazon gift card from amazon) considered manufactured spending?

Mark O

It shouldn’t be since it isn’t a cash equivalent like prepaid debit cards are. But if you are buying them through the UA app for your airline incidentals then they will use that against you.


No more MS on all Amex bonus?


I loved the part about AMEX clawing back membership rewards they never gave in the first place. I thought after the financial crisis we had seen enough of bank shenanigans, but along comes AMEX and Wells Fargo with new rounds of bank misconduct.


Sucks…looks like the “once per lifetime” is going to start applying to all types of the ‘same’ card…

I still haven’t gotten the Plat biz….just cancelled the amex plat though as I wasn’t using as much as I had thought I would for travel b/c of other, better, cards.



Do you think this is something Amex is going to enforce on all cards going forward? I lost the 100k points due to MS but recently upgraded my gold card to business platinum with the 50 k offfer which requires 10 k spending. Worried.


Mine were clawed back , I bought simons gc and appear on statement as mall service . Unless they have data 3 report or they just under assumption everyone from simons mall were prepaid purchase.

CFPB and Amex both complaints were filed but they still refuse . I doubt anyone at all got their points back


Thanks for the details, interesting and hoping you will get your points back. I see in my statements: specialty retail. Assumption is likely not enough, so it does look like level 3.


In what cases does the purchase of a gift card appear on the statement as a gift card purchase? Clearly online stores are obvious, how is i.e. Staples purchase coded?


Mine were clawed back, i oped an CFPB complaint.


Mine were clawed back, so I talked to a supervisor and opened an investigation. I am still waiting to hear back.