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American Express is digging deeper with financial reviews, folks! It looks like some cardholders who ALREADY went through a financial review and got their accounts back are now being asked to submit IRS form 4506-C. This form allows the IRS to directly send your tax information to Amex.
Why does this matter to you? Well, if you've had a financial review with Amex (or even if you haven't yet), be prepared that they might ask for this form. It's unclear what's triggering these requests or how far back Amex is looking, but it seems to be happening even months after an account has been reinstated. It might be nothing, but it could signal a new level of scrutiny from Amex and other banks like Citi, who've also been known to ask for this form. Keep those receipts handy, folks!
Why This Matters for Your Strategy
News in the points-and-miles world moves fast, and promotional changes often have a short window. If this announcement affects a card or program you hold, log into your awardtrail dashboard to check your current benefit usage, bonus progress, and whether a transfer or redemption makes sense right now — before terms change.
As a general rule: transfer points only when you have a specific redemption in mind — transfers are almost always one-way and non-reversible. If you're unsure of the value, check our redemption guides before acting.
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