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Wine and Dine, but fill up on points and cashback
A couple of days ago I posted the basics of Amex Offers, explained the ins and outs of how they work, and why you should pay attention to them. Case in point. I have roughly a dozen, very good Amex offers on restaurants targeted my 5 cards. In fact, most of these offers are targeting each of my cards individually.
Go here to read about the basics of Amex Offers.
I find throughout the year the savings that can be had by adding Amex Offers to your targeted cards can outweigh your annual fee without taking any other benefits into consideration. Maybe not the entirety of the $1200+ that I pay in Amex Annual fees from my 5 cards, but every bit helps.
Here are the 5 American Express Cards that I keep and links to their current offers and why we have them in our wallet and recommend your consideration.
- American Express Platinum
- American Express Gold
- American Express Business Platinum
- American Express Blue Business
- American Express Blue Business Plus
Stacking these offers with Amex Gold
Remember, American Express Gold now gets 4x points on dining. That means, for instance, if I were use my Amex Gold to spend $75 at Del Frisco’s Grille, I’d not only get the 300 points I’d normally accrue, but also a 1000 point bonus. That’s over 17x points at Del Frisco’s. ( In this scenario, my Amex Gold was targeted for Del Frisco’s )
I picked up my American Express Gold card last year, and it’s quickly become one of my most used cards. The dining and grocery bonuses are large contributors to its heavy use. Don’t forget, the Rose Gold version of the card is back until 7/17/19
Here’s 10+ current restaurant offers my 5 cards are targeted for. Check the terms and conditions for each.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
60k Points after $4k spend in 3 months
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 60k points after $4k spend in 3 months
- Worth $750 in Chase Travel℠ and way more if you maximize transfer partners
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex℠and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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