American Express has quietly updated its Membership Rewards Terms and Conditions for October 2026, killing off one of the ecosystem’s best user-friendly features: automatic points pooling. Going forward, when you open a new Amex card that earns Membership Rewards, the points will no longer automatically combine with your existing MR balance. Instead, they will sit … Read more
American Express uses algorithm to determine whether an applicant is profitable enough to earn a welcome bonus. If the algorithm flags your profile as unprofitable or purely transactional, Amex will place your account into what the churning community calls Pop-Up Jail (PUJ). Here is the breakdown of exactly what PUJ is, what triggers it, and the … Read more
Almost every major card issuer offers a grace period where you can cancel or downgrade your card and receive a full or prorated refund of the fee. But the timeline strictly depends on the annual fee post date and the respective CC issuer. Here is the guide you can follow to figure out how long … Read more
You can use this master database of Data Point for credit cards. We are trying to create a common running list of DP’s for easy reference. We will try to keep this database updated every month. We will add data points shared on our site as well as DP’s we will collect over the internet. … Read more
Some users are reporting on Reddit that they have received an email from Amex with this offer. At this point we are not sure if this one has NLL language attached or not. Please let us know if you have more details. Will update the post. Offer Welcome offer is to earn 80k MR points … Read more