Amex Blue Cash family rule
The Blue Cash family has its own ladder. If you have previously held the Cash Magnet, Blue Cash Preferred, or Morgan Stanley Blue Cash Preferred, you may not be eligible for a Blue Cash Everyday welcome offer. If you have previously held the Morgan Stanley Blue Cash Preferred, you may not be eligible for a Blue Cash Preferred welcome offer.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
The Blue Cash family has its own ladder. If you have previously held the Cash Magnet, Blue Cash Preferred, or Morgan Stanley Blue Cash Preferred, you may not be eligible for a Blue Cash Everyday welcome offer. If you have previously held the Morgan Stanley Blue Cash Preferred, you may not be eligible for a Blue Cash Preferred welcome offer.
Applicants for Blue Cash Everyday or Blue Cash Preferred.
Who it applies to
Applicants for Blue Cash Everyday or Blue Cash Preferred.
How to count
- Applying for Blue Cash Everyday? Check for any past Cash Magnet, Blue Cash Preferred, or Morgan Stanley Blue Cash Preferred.
- Applying for Blue Cash Preferred? Check for a past Morgan Stanley Blue Cash Preferred.
- Once-per-lifetime terms still apply per card on top of the family rule.
Calculator (estimate)
Answer the questions below. The result is an estimate, not an approval decision.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
I held Blue Cash Preferred. Can I get the Everyday bonus?
Under the family rule, generally no: a past Blue Cash Preferred blocks the Everyday bonus.
Does the family rule affect business Blue Cash cards?
The documented family rule covers the personal Blue Cash cards listed here; business cards are judged on their own terms.
Sources
- Miles — Application rules (cash back card family)
- SayMoola — Credit card application rules (Blue Cash family)
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