Amex Offers: A Beginner's Guide to Saving Money

AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.

Offers for The Platinum Card® from American Express, American Express® Gold Card, The Blue Business® Plus Credit Card from American Express, Hilton Honors American Express Surpass® Card and Blue Cash Preferred® Card from American Express are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.

Amex Offers are one of the most underrated benefits available to American Express cardmembers. If you like saving money and traveling for pennies on the dollar, it's time to take a closer look at how these promotions can put extra cash in your pocket and supercharge your Membership Rewards earning strategy.

Unlike Chase Offers, which only provide discounts at select merchants, Amex Offers are split between cash rebates and opportunities to earn extra Membership Rewards points. Today, we’re going to cover the Amex Offer basics to help you build a strategy for saving money and earning more points.

What are Amex Offers?

Amex Offers are promotions that are tied to the purchases you make with your Amex credit cards. Just activate the ones you might use, and your rebates or bonus points will post automatically after you meet the purchase requirements. Amex Offers are personalized, so you won't necessarily get the same options as other cardholders.  

Which Cards Qualify for Amex Offers?

According to Amex’s FAQs, “any valid U.S. American Express Consumer Card issued by American Express, Business Card from American Express OPEN® or registered American Express Serve® Card or Bluebird® Card is eligible to participate in Amex Offers using an americanexpress.com account.” Only American Express Corporate Cards, Gift Cards, and Prepaid Cards are not eligible.

It’s worth noting that the best Amex offers are usually associated with American Express’ Membership Rewards earning cards, as opposed to co-branded cards. So you may find the highest bonuses and most lucrative cashback offers on cards like The Platinum Card® from American Express, the American Express® Gold Card, or The Blue Business® Plus Credit Card from American Express. 

The Platinum Card® from American Express
The Platinum Card® from American Express
Annual Fee$550
Welcome Bonus Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • 5X points on flights booked directly with airlines or with American Express Travel, and on prepaid hotels booked on amextravel.com
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Annual FeeNo annual fee
Featured Offer 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
The best credit card available for non-bonus business expenses. You'll receive 2X Membership Rewards points for every $1 spent up to the first $50,000 per year. Points transfer to travel partners without the need to hold other cards. The introductory APR offer also makes the card a great option if you're looking for a low-cost method of financing capital purchases you intend to pay down in less than 12 months.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

With that said, you'll still find some lucrative promotions on co-brand cards—especially if you're trying to collect a different currency than Membership Rewards. For instance, an Amex Offer on a Hilton Honors American Express Surpass® Card may be more valuable to you if you are collecting Hilton points with a specific redemption in mind. It's also true that co-brand cards often have great deals for purchases with the co-brand partner which might not be available on other cards.

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card
Annual Fee$95
Welcome Bonus Earn 125,000 Bonus Points after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
  • 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

It’s worth noting that unlike Chase Offers, Amex Offers don’t seem to be tied to your spending habits on each card.

Where do you find your Amex Offers?

There are three places where you can find and activate your Amex Offers:

  1. Your online American Express Account
  2. In the American Express Mobile App
  3. Using the Amex Bot in the Facebook Messenger App on your phone

When looking at your online American Express account, scroll to the bottom of your account summary page. There you will find all the Amex Offers currently available for whichever card you’re viewing.

In the American Express Mobile App, your Amex Offers can be found by clicking the “Offers” tab at the bottom right of your home screen. Again, make sure to note which card is selected; you won’t be able to activate an offer for one card and then redeem it on another. 

The Amex Bot is an interesting alternative. If you have the (Facebook) ‘Messenger’ app on your phone, you can search for ‘American Express’ and log-in to your accounts. Doing that will allow you to utilize the Amex Bot in conjunction with your applicable Amex accounts to view and activate all your Amex offers.

How do I use my Amex Offers?

Using your Amex offers is, thankfully, a very straightforward process consisting of only 3 steps:

  1. Activate the offer.
  2. Complete the necessary purchase requirement on the card for which the offer was activated.
  3. Receive the cashback or bonus points in your account within 90 days after the end of the offer period.

It’s that simple. Amex has this system down to a science, so even if your bonus or cashback doesn’t track like it’s supposed to (very rare), they make it easy to rectify it by contacting them.

Types of Amex Offers

There are 3 types of Amex Offers:

  • Statement Credits for purchases with a specific merchant or merchant-category

  • Additional Membership Reward earnings per dollar spent at a specific merchant

  • A Membership Reward bonus for meeting a minimum spending requirement with a merchant

Each Amex Offer will have a tab of important information to note. These include the maximum possible savings, the total possible transaction limit, and the offer expiration date. Make sure you read all of the terms and conditions for each offer before you try to redeem it. That way, you avoid any unpleasant surprises!

Getting the Most out of Amex Offers

Whenever it comes to lists of promotions, we always like to take a moment to talk about over-spending. When so many deals and promotions are displayed in front of you, it's easy to experience what I call the “buffet syndrome”—a feeling that you have to take advantage of everything. Don't fall for this! Overspending in pursuit of a deal is still overspending. It's not good for your overall financial health, not to mention it completely cancels out any benefit you may have enjoyed from spending normally. We suggest following a simple rule with credit card promotions:

Unless you already have a plan for a purchase at a vendor, don't go out of your way to make one because of an Amex Offer.

The simplest way to make the most of Amex Offers is to regularly go through them, activate ALL of the offers you could see yourself potentially using, and then move on with your day. That way, if you manage to earn some cashback or additional points, they'll be genuine savings or earnings.

Pro Tips

There are a few things to keep in mind if you'd like to take your savings to the next level:

Don't hesitate when adding new Amex Offers.

Amex offers have a limit to the number of people who can add them to their account. That means that if you don't check and activate it immediately, the offer may “run out” before you have a second chance. There is no downside to adding an offer and not using it. Feel free to add all of the offers if you think there is any chance you may use them.

Choose which card you activate an offer on carefully.

It's normal for the same Amex Offer to show up on multiple accounts. The terms and conditions have always stated, “limit one enrolled offer per cardmember across all accounts.” Until late 2018, the rule wasn't enforced; you could get the same offer on multiple cards. Unfortunately, Amex has closed that loophole. Even if you manage to activate the same offer on multiple cards, you'll only receive the reward for one redemption.

That means it's particularly important to choose the right card to activate the offer on. Always try to keep the earning structures of each card in mind. For instance, if an offer is for spending on groceries, it'll probably be more lucrative to activate it on a card that earns extra points at supermarkets—like the Amex Gold or the Blue Cash Preferred® Card from American Express rather than your Amex Platinum card.

Check out our post on the best cards for each spending category or use the AwardWallet merchant lookup tool to find earning rates with a specific vendor.

Amex Offers are stackable.

You can easily stack Amex offers with other bonuses. For instance, the Staples Amex Offer pictured below can also be stacked with a shopping portal, like Ratuten to earn extra cashback or Membership Rewards. It's important to evaluate each offer for how you can maximize your savings.

Use your annual savings from Amex Offers when evaluating a card's annual fee.

I recently resorted to some mathematics to calculate if the Chase Sapphire Reserve® is worth the $550 annual fee. You can use a similar technique when evaluating the annual fees of your American Express cards. Just make sure you include the annual savings from your Amex Offers in the calculation.

American Express makes this pretty simple to do. In the same “Amex Offers and Benefits” tab, on the far right, you'll see a tab titled “Savings”. This will show you your total savings from Amex Offers over the previous cardmember year. Assuming your average savings will be similar next year, you can subtract this amount from the annual fee in your calculation. You might be surprised by how many “expensive” Amex cards pay for themselves year after year through Amex Offers alone!

Final Thoughts

Everyone loves saving money and earning bonus points. Personally, I'm all ears anytime somebody offers to show me a way to save money or earn more points with hardly any additional effort. Amex Offers fit the bill. If you don't overspend on things you don't need, they're an absolute “no-brainer” for Amex cardholders.

AwardWallet Tip of The Day
Did you know you can see individual transaction history for most of your accounts? Click the + sign next to an account and then view the History tab.
Show me how

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Comments

  • Thank you for explaining these offers I didn’t know existed.
    I keep a Delta AmEx card to use the premium insurance when renting a car.
    Even though there are not many, the bonuses look attractive for other purchases too.

  • Amex offers on my no fee Hilton card has so far given me $405 total savings on credit charges I was spending anyways (such as 10% back on insurance).

    • That’s great. Likewise, my wife and I have saved hundreds of dollars on every one of our portfolio of AmEx cards. AmEx Offers are an often little-discusses perk that can provide some real value.

  • The important thing to remember about Amex offers as mentioned in the article is to add the offers that you think that you may use as they need to be active before the purchase in order to work.

  • AMEX Offers are great so long as you don’t buy unnecessary things just to redeem an offer.

  • Amex offers are great sometimes. It can save a bunch.

  • Amex offers are a good way to save money and are also just fun!

  • Thanks for the summary. The Amex offers are a great way of justifying the annual fees (if any).

  • One of the hidden gems of AmEx cards, without question.

  • Amex offers are a great way to save money for things you would be buying or doing anyway/ I find them to be hit or miss, but a nice surprise if it works out. Also if you are setup for alerts you can get a direct message that your offer has been used.

  • Thanks for the reminder to check if I have any good offers 🙂

  • I lot of amex offers are valid for purchases made in the U.S. only.
    I wish they allow foreign transactions to qualify for amex offers as well since a lot of us travel and use our amex cards in other countries often times.

  • I use them once a while when the deal is good or for offers that I would actually use. Most I don’t use, but better than nothing!

  • Thanks for this, I was wondering how people on other forums were getting these offers, I guess I should sign up for the AMEX Platinum.

  • Amex Offers are really great since you save money, but avoid baubles just to redeem.

  • Definitely one of the more useful perks – I just wish there was an easy way to hide/delete ones we don’t want for sure, without adding them.

  • I’ve been using Amex offers before, but I still learned from your article. Thank you.

  • These have come in super handy a number of times, and while they don’t always have merchants relevant to me, I’ve definitely still saved probably hundreds of dollars over the years on stuff I normally buy.

  • They’re a fun thing to check to see if they cover something we were going to buy anyway.

  • Between having two Amex’s and three offers, I recently got a Sam’s Club membership, $100 in Disney gift cards, and 45 AA miles for only $88. Amex offers are amazing. Chase is trying to catch up but they’re not doing that well.

    • Hopefully someday soon. Now that they’re declaring themselves a $550 heavy hitter, they need to back up what they’re claiming.

  • jorge benitez says:

    Excelente nota, siempre se aprende algo mas y si bien tengo mi American Express Platinum desde hace mas de 30 años, este articulo me ha hecho ver cosas que no conocia muy bien, Hago uso de las ofertas de Amex’s pero siempre con cuidado de no comprar cosas innecesarias porque estan en oferta y evito el impulso inicial para darle un real buen uso a mis puntos.

  • These are fantastic money savers, although obviously were better when could use the offer on multiple cards.

  • Amex Offers, albeit not always great and not always relevant, have still worked to keep me using their cards 🙂 BoA and Chase cards have a much lesser variety.

  • You can still get the same offer multiple times if you add authorized users to your accounts and use their cards.

  • These are fantastic money savers, although obviously were better when could use the offer on multiple cards.

  • I have an Amex Aerolineas Plus in Argentina. It is the best card we can have. The attention of the staff is always excellent.

  • Every once in a awhile they even have straightforward gasoline offers. I believe the last was BP. It’s not that much effort to glance quickly at them on some routine, and you’ll probably be rewarded at least a few times.

  • Carlos Rufino says:

    Is my favourite Credit Card. The bonuses and promotions are really good.

  • This is why I love the AMEX benefits!!!

Leave a Reply

Your email address will not be published. Required fields are marked *

**You may receive 5 bonus AAdvantage miles for leaving a comment (Details/FAQ)