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Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.
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?
- Which Cards Qualify for Amex Offers?
- Where do you find your Amex Offers?
- How do I use my Amex Offers?
- Types of Amex Offers
- Getting the Most out of Amex Offers
- Pro Tips
- Final Thoughts
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.
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.
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:
- Your online American Express Account
- In the American Express Mobile App
- 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:
- Activate the offer.
- Complete the necessary purchase requirement on the card for which the offer was activated.
- 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.
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.
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 Rakuten 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!
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.
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