Around March of 2018 AmEx decided that they were not going to allow people who have the Personal Platinum card get the Ameriprise version of the card. I was able to get one in March of 2018 and my friend was able to get his September pf 2018. However some people were getting denied for a new Ameriprise Platinum when holding the plain version of the AmEx Platinum.
Somehow I missed this 10 April 2018 article by DoC regarding the death of the Ameriprise Double Dip. Thanks to reader el_georgie for pointing me to this article and letter as well as his own recent (20 Nov 2018) datapoint:
So, I called the recon line and the lady told me that the system automatically cancelled the application because I applied and got approved for another personal plat (vanilla) last month. Said I could only have one personal plat, that I could apply for a business plat. I politely asked about being co-branded, that didn’t go far. I’m probably going to give it a few months and try again.
He further elaborates in a 23 Nov 2018 comment:
A user on reddit pointed me to this article.(https://www.doctorofc
redit.com/worrying-datapoint- regarding-american-express- platinum-card-vanilla-ameripri se/) Apparently ameriprise and vanilla are considered the same. I checked the application site, and indeed the ameriprise application is listed as just amex plat exactly the same as the vanilla one. The reddit user suggested to get the ameriprise gold then upgrade. Working on the MS waiting a few days since opening the brokerage account before applying for the card. Thanks!
Keep in mind Mercedes-Benz Platinum is shut down, and the Goldman Sachs is impossible to get. You now have only four ways to directly get a Platinum without any product changes:
- Plain old vanilla Platinum
- Plain old vanilla Business Platinum
- Morgan Stanley Platinum (Must Have $5k Brokerage)
- Charles Schwab Platinum (Must Have $1k Brokerage)
Then there are the backdoor methods, the personal cards require a 1 year wait before product change (PC). The business versions can be upgraded right away!
- Personal Green then PC to Platinum
- Personal Gold then PC to Platinum
- Ameriprise Gold to Ameriprise Platinum
- Business Green to Business Platinum
- Business Gold to Business Platinum