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Earning Bonus Points

Get a Great Mortgage Rate and Thousands of American Express® Membership Rewards® Bonus Points


You can earn over 200,000 Membership Rewards bonus points when you buy, sell, and finance a home or business for $265,000 and use a participating real estate agent, as well as earn thousands of additional bonus points for a home warranty and van line moving services through the Awards For Mortgage And Real Estate® program.

Plus, for a limited time you can earn the following special bonus offers:
  • Home Loans: 1,400 Membership Rewards bonus points for every $10,000 financed or refinanced at closing (regularly 1,300 bonus points per $10,000 - a 100 point bonus) with CitiMortgage, or Wachovia's Corporate Mortgage Services division. For eligibility, provide reservation code AMEX14 at the time of registration.


  • Business Loans: 1,400 Membership Rewards bonus points for every $10,000 financed or refinanced at closing (regularly 1,300 bonus points per $10,000 - a 100 point bonus) with Wachovia Small Business Capital. For eligibility, provide reservation code AMEX14 at the time of registration.


  • Home Equity Loans: 2,600 Membership Rewards bonus points for every $10,000 financed at closing up to a maximum of 40,000 total points (regularly 1,300 bonus points per $10,000 - a 1,300 point bonus) with a second mortgage Home Equity Loan or Line Of Credit from Wachovia's Corporate Mortgage Services division. This special bonus is available on both stand alone Home Equity Loans and on Home Equity Loans closed on the same day and property address with a Wachovia first mortgage loan. For eligibility, provide reservation code AMEX2 at the time of registration. Customers who have opened up and originated a stand alone Home Equity loan through the Awards For Mortgage And Real Estate program that has been paid off within the previous 12 months from the date of a new stand alone Home Equity loan application being submitted through the Awards For Mortgage And Real Estate program, does not qualify to earn Membership Rewards points for a new stand alone Home Equity loan (The 12 month pay off restriction and 40,000 total bonus point limit only applies to Home Equity loans).


  • Real Estate Agent Services: 20,000 additional Membership Rewards bonus points when you buy AND sell your home or business property through a participating real estate agent in the Awards For Mortgage And Real Estate program (10,000 Bonus Points for each buy and/or sell transaction). That's in addition to earning 2,500 Membership Rewards bonus points for each $10,000 of your home's purchase and/or sale price, and in addition to earning 1,750 Membership Rewards bonus points for each $10,000 of a business property’s purchase and/or sale price through a participating real estate agent, as well as 3,750 bonus points for using multiple services. For eligibility, provide reservation code AMEX10K at the time of registration.

For example, if you buy, sell, and finance a home for $265,000:
 Sale price $265,000 @ 2,500 bonus points per $10,000
=
66,250 bonus points
 Home sale bonus points
=
10,000 bonus points
 Purchase price $265,000 @ 2,500 bonus points per $10,000
=
66,250 bonus points
 Home purchase bonus points
=
10,000 bonus points
 Finance $170,000 @ 1,300 bonus points $10,000
=
22,100 bonus points
 Home Equity Financing $95,000 @ 2,600 bonus points per $10,000
=
24,700 bonus points
 Multiple services bonus points
=
3,750 bonus points
 TOTAL
=
203,050 total bonus points


To qualify, all loan applications or requests for other services must be submitted here online or by phone at 1-866-905-2600 between 5/1/08 and 12/31/08 and closed by 6/30/09.

Loan applications or requests for other services submitted through any other phone number, online site, or branch office are not eligible to earn American Express Membership Rewards points in this program. For eligibility, the reservation code must be provided at the time of registration. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards program at the time of the completed transaction and provide an eligible, enrolled American Express® Card. Bonus points will be credited to your Membership Rewards account within ten to twelve weeks after the completed transaction. Restrictions apply, see terms and conditions.

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