Credit Cards

How long does it take to get an Amex welcome offer?

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When will my Amex welcome offer show up?

After recently getting another new American Express Business Gold, I now have 10 Amex cards. Let’s just say I’ve had my fair share of minimum spend requirements. In the past, whether it be a welcome offer, referral bonus, or Amex Offer, the bonus points populated within a day of hitting the spend required.

Hurry up! I’m ready to fly in luxury with my points!

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Specific to welcome offers, I have received the bonus points prior to the statement closing when I’ve eclipsed the min spend threshold.  As an example, if you were to get one of our favorite cards, an Amex Gold (which requires $4k in 3 months minimum spend) in September, and in the middle of October you hit the $4k, you shouldn’t be surprised to see your welcome offer show up in your account before the October statement closes. Then, at the end of the October billing period, the points earned from your October expenses would populate as well.

It keeps on happening.

Prior to actually hitting the minimum spend requirement yet for Amex Business Platinum in December I received the welcome bonus.

This is the 3rd time it’s happened and I fully anticipate my newest Amex to repeat that process.  I just got it in February and I’ll likely hit the min spend sometime in March or early April, but I’d guess it will credit my account based on the pace of my spend.

Based on prior experience, I’m guessing I’ll be credited when I’m within 10% of hitting the spend requirement as long as the trajectory and pace continues.

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Usually you’ll receive your welcome offer when you cross the threshold of spend, but don’t be surprised if you get the credit in advance if you’re on pace to hit it before the 90 days expire.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 5x on all travel purchased through Chase Travel℠
  • 3x on dining, including eligible delivery services for takeout & dining out
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • $50 Annual Chase Travel Hotel Credit via Chase Travel℠
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 2x on all other travel
  • 10% Anniversary Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $95 Annual Fee

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.

Main Cast: 

Cards that earn flexible points and should be used on the bulk of your purchases.

Supporting Cast:

Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on. 

The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.

If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex®  and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners

Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  • Dana Bowersox May 12, 2021

    Yep, happened to me too! I was surprised to check last night and the 75,000 MR SUB points for the Gold card posted. Have spent about $3450 of the $4000 in six weeks. Strangely enough, the tracker bar is still there showing progress toward getting the 75,000 points. I am a first time AMEX card holder.

  • Mike Saint April 10, 2021

    Wow, lucky. I also got a preapproved offer for the Amex Gold Biz for 80,000 points after $10k spend. I just paid part of my property tax and almost there already just with that but didn’t get the points posted yet but I should be at 10,000 by the end of this month and hopefully they post soon.

  • Amy McReynolds April 10, 2021

    The same thing just happened to me yesterday. I was surprised to already get my points!

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