Credit Cards

Everything you need to know about Amex Offers

a stuffed animal holding a card

We may receive a commission when you use our links. Monkey Miles is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as and CardRatings. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Monkey Miles is also a Senior Advisor to Bilt Rewards. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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.

a stuffed animal holding money

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.

a stuffed animal holding money

My favorite Amex Offers are those with bonus points that help put us in aspirational first class cabins like Lufthansa First

a small teddy bear in a small drawer in an airplane

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

a blue credit card with blue lines and white text

Learn More

Affiliate LInk

Chase Sapphire Preferred® Card

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 including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
  • 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.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


Leave a Reply

Your email address will not be published.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

This site uses Akismet to reduce spam. Learn how your comment data is processed.