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Everything you need to know about Amex Offers.
We post about Amex offers quite often. Here’s the crazy thing: in our day to day conversations with friends and family I’m always surprised at how few people take advantage of them, and how much money/points is left on the table.
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 $2000+ that I pay in Amex Annual fees from my 10 cards, but every bit helps.
Here are the 10 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 Green ( I no longer hold this card, but referrals are open if you want to leave yours )
- American Express Business Platinum x3
- American Express Business Gold x3
- American Express Blue Business Plus x2
What are Amex Offers?
These are targeted offers that populate in your card account after log in. Typically they come in these variants
- Spend a certain amount, get a statement credit
- Spend a certain amount, get bonus points
- Get bonus points on purchases with a certain retailer
- usually capped a specific total, but not always
Who gets Amex Offers?
Simply, if you have an Amex, you’ll have offers.
Where can I see Amex Offers?
After you log in to your account simply scroll down on the login page and you’ll see Offers and Benefits. Each of your cards will have specifically targeted offers ( the max is 100 ), usually in varying total amounts, and they will look like this:
Is my card automatically enrolled?
No, you need to add each individual offer to the card it’s targeted for, and use that card to pay. For instance, using the above images. My Amex Platinum is targeted for a Sam’s Club statement credit. Even though I have multiple American Express cards, I would need to use my Amex Platinum at check out in order to get the credit on my statement.
More than one card is targeted for the same offer. Can I double dip?
This used to be something that happened quite often, but Amex has cracked down on cardmembers utilizing the same offer across multiple cards. In fact, Amex has started to rake back points accrued via this method, and your account could get flagged for abuse. Personally, I wouldn’t recommend trying to circumvent the system.
How quickly do points post?
In my experience, very quickly, in fact, most of my points post within 3 days of using the offer. However, typically, Amex states the bonus points should populate your account within 90 days
Are Amex Offers Stackable?
Yes as long as you meet the terms and conditions. For instance, if your Amex Gold card is targeted to receive bonus points at a specific restaurant, you’ll get your 4x points in addition to the Amex Offers bonus.
Additionally, if you want to stack a hotel offer with Amex Platinum Fine Hotels and Resorts, you can. But, be aware, many times these offers need to be booked via the hotel’s reservation channel, but not always, and sometimes FHR triggers the credit anyways. Also, let’s say you book a Four Seasons offer via Fine Hotels and Resorts. Since the room wasn’t booked via Four Seasons you may not get the bonus on the room rate, but as long as you charge incidentals to the room, usually the charge still triggers. YMMV.
How valuable are Amex Offers?
The value depends on each and every offer, but I’ve found that over the course of a year, a large amount of my total annual fees ( across 7 cards ) is earned back via point bonuses and statement credits. Very worthwhile for this monkey.
My favorite Amex Offers are those with bonus points that help put us in aspirational first class cabins like Lufthansa First
The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based.
60k Points after $4k spend in 3 months
80k offer in branch currently – I think this should be online soon
Transferrable Chase Ultimate Rewards
Super solid welcome offer.
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.
- 3x on dining
- including eligible delivery services for takeout
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
- $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 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 Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
- Points are transferrable to 13 Ultimate Rewards partners
- Redeem in the Chase Travel center for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Primary rental car coverage is my favorite
There is currently an 80k offer after $4k spend in 3 months available in branch, and up to 90k after $6k spend in 6 months. I suspect some version of this will be online soon if you don’t want the hassle of going into a branch.
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 60k is a very, very good offer. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back. .
Cards that earn flexible points and should be used on the bulk of your purchases.
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.