【2024.2 更新】現在 Morgan Stanley Platinum、Gold、Green 卡也增加了限制！大家要特別注意，具體如下

You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Charles Schwab or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
  • AMEX Gold：如果你申請過任何版本的 Platinum，就無法獲得迎新獎賞
You may not be eligible to receive a welcome offer if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
  • AMEX Green Card：如果你申請過 AMEX Gold 或者任何版本的 Platinum，就無法獲得迎新獎賞
You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Morgan Stanley, the Platinum Card® from American Express Exclusively for Charles Schwab, the American Express® Gold Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

關於同類卡限制

我們知道 AMEX 有著名的迎新獎賞一生一次限制，也就是你領取過某個具體卡名的迎新獎賞後，即使銷卡後再次申請，也無法再次獲得獎賞。

但是，此前 AMEX 一直沒有同類卡限制，同一類卡的每張卡的迎新獎賞都單獨計算。舉例來說，AMEX Blue Cash Everyday 和 Blue Cash Preferred 就是同類卡，你可以先申請前一張，然後申請後一張，都能拿到迎新獎賞。類似地，Everyday 和 Everyday Preferred 也可以。

不過，近期 AMEX 似乎開始對同類卡施加限制了，主要涉及 AMEX Platinum 系列、Delta 系列、Blue Cash 系列，下面我們來簡要介紹一下

Marriott 系列（2023.12 增加）

現在 Marriott Bevy 卡也增加了限制，如果你之前有過 Brilliant 卡，就拿不到迎新獎賞。所以大家還是遵循先低再高的申請方式。不過還好，Bevy 這張卡的申請價值不高，也不用特別關心。

You may not be eligible to receive a welcome offer if you have or have had this Card , the Marriott Bonvoy Brilliant® American Express® Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Everyday Card 系列（2023.10 增加）

現在 AMEX Everyday Card 也增加了限制，如果之前拿過 Everyday Preferred，就拿不到這張 Everyday 卡的迎新獎賞。

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Amex EveryDay® Preferred Credit Card or previous versions of these Cards. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

不過 Everyday Preferred 沒有什麼新增的限制。

Blue Cash 系列（2023.10 增加）

Blue Cash Every Day 增加了下面的限制，排除了年費版、Morgan 版本和另一張現金回贈卡

  • 如果你持有這張卡或者之前持有過（一生一次限制）
  • 持有或者持有過 Cash Magnet 信用卡或者其舊版本（同類卡限制）
  • 持有或者持有過 Blue Cash Preferred 信用卡或者其舊版本（同類卡限制）
  • 持有或者持有過 Morgan Stanley Blue Cash Preferred 信用卡或者其舊版本（同類卡限制）
You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Cash Magnet® Card, the Blue Cash Preferred® Card, the Morgan Stanley Blue Cash Preferred® American Express Card or previous versions of this Card. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

Blue Cash Preferred 增加了下面的限制，排除了 Morgan 版本

  • 如果你持有這張卡或者之前持有過（一生一次限制）
  • 持有或者持有過 Morgan Stanley Blue Cash Preferred 信用卡或者其舊版本（同類卡限制）
You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Morgan Stanley Blue Cash Preferred® American Express Card, or previous versions of these Cards. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

其他的卡暫時未有提及

Delta 系列（2023.9 增加）

個人卡

Delta 個人卡新加了限制，總結一下就是，如果你持有或者持有過更高年費的 Delta 卡，那你申請這張卡將無法獲得迎新優惠。具體如下

AMEX Delta Blue 的申請條款如下，下面五種情況將無法獲得迎新優惠

  • 如果你持有這張卡或者之前持有過（一生一次限制）
  • 持有或者持有過 Delta Reserve 信用卡或者其舊版本（同類卡限制）
  • 持有或者持有過 Delta Platinum 信用卡或者其舊版本（同類卡限制）
  • 持有或者持有過 Delta Gold 信用卡或者其舊版本（同類卡限制）
  • 持有或者持有過 Delta Option 信用卡或者其舊版本（同類卡限制）
You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Options Credit Card, the Delta SkyMiles® Gold American Express Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Delta Gold 的申請條款如下，下面三種情況將無法獲得迎新優惠

  • 如果你持有這張卡或者之前持有過（一生一次限制）
  • 持有或者持有過 Delta Reserve 信用卡或者其舊版本（同類卡限制）
  • 持有或者持有過 Delta Platinum 信用卡或者其舊版本（同類卡限制）
You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Platinum American Express Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Delta Platinum 的申請條款如下，下面兩種情況將無法獲得迎新優惠

  • 如果你持有這張卡或者之前持有過（一生一次限制）
  • 持有或者持有過 Delta Reserve 信用卡或者其舊版本（同類卡限制）
You may not be eligible to receive a welcome offer if you have or have had this Card, the Delta SkyMiles® Reserve American Express Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Delta Reserve 的申請條款如下，下面這種情況將無法獲得迎新優惠

  • 如果你持有這張卡或者之前持有過（一生一次限制）
You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

商務卡

暫時都只是設有一生一次限制，條款類似如下 

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Platinum/Green/Gold 系列（2023.8 和 2024.2 增加）

Platinum 系列卡的迎新優惠條款有了不好的更新。現在不同版本的 Platinum 卡的迎新優惠可能互相衝突了。

這是 Platinum 的條款，意思是你如果持有過 Morgan Stanley 和 Schwab 的版本，將無法拿到 Platinum 的迎新優惠 

You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Platinum Schwab 也有了同樣的更新，意思是你如果持有過 Platinum 或者 Morgan Stanley 的版本，將無法拿到 Schwab 版本的迎新優惠 
You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
 Platinum Morgan Stanley 暫時還未新增限制 
You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card.

此外，AMEX Gold Card 加入了大家庭，如果你曾申請過任何版本的 Platinum，就無法獲得獎賞 
You may not be eligible to receive a welcome offer if you have or have had this Card, the Premier Rewards Gold Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

AMEX Green Card 也加入了大家庭，如果你有 Gold 或者任何版本的 Platinum，也無法獲得獎賞！
You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Morgan Stanley, the Platinum Card® from American Express Exclusively for Charles Schwab, the American Express® Gold Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

其他系列

目前只有 Hilton 系列和 AMEX 的商業卡沒有同類卡限制，大家且行且珍惜。

背後的邏輯

對於 Platinum 系列來說，自家和聯名版本的大部分福利都完全相同，而聯名版本會有一些特別福利。所以 AMEX 認為，如果你已經有福利更多的 Schwab 和 Morgan 版本，再去申請自家版本，並不合理，很可能是某些專門為了迎新獎賞而申請的人士所為。因此增加這樣的限制，可以杜絕一些羊毛黨，而不影響正常申請的人。

而 Delta 方面的限制規律是，如果你已經有更高級別的 Delta 卡，再申請低級別的就不會有迎新獎賞。邏輯就是你已經享受了高級版的福利，沒道理又申請低階版本；如果申請，一定是為了薅羊毛拿獎勵。而如果你覺得低階版本好用，再申請高級版本就符合邏輯，所以獎賞仍然可以獲得。

申請指南

由於申請限制並非完全互相排斥，我們可以先申請限制較多的卡，例如先申請 Delta Gold，然後 Platinum，然後 Reserve，這樣都可以獲得迎新獎賞。Platinum 可以先申請自家或者 Schwab 版本，再申請 Morgan 版本。

此外，AMEX 在條款中也提到彈窗的問題，如果出現彈窗，你強行申請也是拿不到獎賞的，意思是同類卡限制的情況下它會提醒你。所以如果你已經被限制，同時又有彈窗，就不要浪費時間了。其實這也有好處，對於某些特殊的破解連結，沒有一生一次限制和同類卡限制，就不會有彈窗，那麼你就大概率能拿到獎賞