How to maximize spending with Amex Offers
American Express is well known for its selection of cash back credit cards and rewards credit cards, some of which let you earn points in the American Express Membership Rewards program. While all their point-earning cards give you the potential to earn welcome bonuses as well as rewards for each dollar you spend, this card issuer offers another way you can boost your total rewards haul: Amex Offers.
The neat thing about Amex Offers is the fact that your American Express credit card already has this feature, and that you barely have to do anything to get started.
If you want to maximize your rewards or access special deals just for carrying an Amex credit card, you should find out everything there is to know about Amex Offers and how it works.
What are Amex Offers?
The Amex Offers program is an activation-based incentive program, meaning you have to take steps to initiate a promotion before you can take advantage of it. Also, note that Amex Offers are often tailored to the user based on their spending habits or the specific Amex credit cards they have.
Some Amex Offers give you cash back if you meet a spending requirement with a specific retailer, yet others let you rack up American Express Membership Rewards points or points within an Amex partner program like Hilton Honors.
Here are a few examples of recent Amex Offers:
- Earn 10,000 Hilton Honors points each time you spend $5,000, up to 100,000 points.
- Spend $50 or more at Advance Auto Parts, get $5 back.
- Spend $150 or more at Sunglass Hut, get $30 back.
- Spend $25 or more at Shutterfly, get $5 back.
With each Amex Offer you are eligible for, you’ll have a spending requirement and an offer expiration date. You can “add” the offer to your card as soon as you see one you like, then you have until the expiration date to meet the spending requirement for the bonus points or cash back.
How do Amex Offers work?
All the Amex Offers you’re eligible for will be listed on your online account management page. To access them, all you need to do is log into your account at AmericanExpress.com and take a look.
Keep in mind that Amex Offers are incredibly valuable since these deals are given out on top of the cash back or rewards you already earn with your Amex rewards credit card. Also, there are no penalties for forgetting about an Amex Offer and letting it expire. If you add one to your card and realize you can’t use it, there’s no harm and no foul.
Limitations to keep in mind
The most important thing to keep in mind is the fine print on each Amex Offer you add to your card. They all have an expiration date, and remember that the spending requirement to earn the Amex Offer is never negotiable and always firm.
For example, the current Advance Auto Parts deal lets you get $5 back when you spend $50 with this retailer, but the fine print is very clear about the expiration date:
Also, notice all the fine print below the Amex Offer details. In this case, some purchases are excluded, such as in-store gift card purchases or purchases made at Carquest (which is owned and operated by Advance Auto Parts).
Other limitations can apply for different Amex Offers, so make sure to read all the fine print so you can follow the rules.
Which credit cards have Amex Offers?
All American Express credit cards have Amex Offers available. This includes their cash back credit cards, Amex co-branded credit cards with Delta and Hilton, American Express Membership Rewards credit cards and more. And remember, rewards or cash back earned with Amex Offers are totally separate from the points you earn with your credit card.
While any Amex credit card can qualify, the following table shows some of the top American Express credit cards to consider:
|Card name||Rewards earned||New cardmember offer||Annual fee|
|American Express® Gold Card||4X Membership Rewards points on restaurants; 4X points for Uber Eats purchases and at U.S. supermarkets (on up to $25,000 in purchases per year, then 1X points); 3X points on flights; 2X points on rental cars through amextravel.com; 1X points on all other purchases||Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new card within the first six months||$250|
|The Platinum Card® from American Express||5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels via AmexTravel.com (per calendar year); 2X points on prepaid car rentals through AmexTravel.com; 1X points on all other purchases.||100,000 Membership Rewards® points when you spend $6,000 on purchases within six months of account opening; plus, get 10X points on eligible purchases on your new card at restaurants worldwide and when you Shop Small in the U.S. (up to $25,000 in combined purchases during your first six months of card membership).||$695|
|The Blue Business® Plus Card from American Express||2X points on up to $50,000 in spending each year; unlimited 2X points on prepaid rental cars booked through AmexTravel.com; 1X points on all other purchases.||N/A||$0|
|Blue Cash Preferred® Card from American Express||6% cash back on U.S. supermarket purchases (up to $6,000 per year, then 1%); 6% back on select U.S. streaming services; 3% back on transit; 3% back on U.S. gas station purchases; 1% on all other purchases.||Earn $300 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.||$95 ($0 introductory annual fee for the first year)|
|The Amex EveryDay® Credit Card from American Express||2X points on up to $6,000 spent at U.S. supermarkets each year (then 1X points); 1X points on all other purchases; also, earn 20% bonus rewards each billing period you make at least 20 purchases with your credit card.||10,000 points when you spend $1,000 within three months of account opening.||$0|
How to add Amex Offers to your card
Your Amex Offers will be listed below your credit card activity within your account management page, although you can also find them on the American Express mobile app. If you find one you like, all you have to do is read the fine print and click the prompt that says “Add to Card.”
Maximize spending with Amex Offers
Amex Offers are definitely worth pursuing since they offer additional rewards on top of your regular cardholder benefits. However, there are some steps that can help you maximize these deals, including the following:
Immediately add offers you like to your card
Add any Amex Offers to your rewards credit card whether you’re sure you’ll use them or not. Amex has been known to limit enrollment with some of their offers, so you shouldn’t assume an offer will be there later if you need it. In reality, there is nothing to stop you from adding every Amex Offer you’re eligible for to your credit card as new ones are added.
Keep up with new offers
This brings us to our next point. Make sure to check all your American Express credit cards to see whether any new offers are available. Also keep in mind you’ll have different offers on different Amex cards you carry, and that one or more of your cards may offer a higher or lower amount of rewards or cash back.
Activate offers on credit cards with bonus categories
Double up on offers and rewards when you get the chance, but particularly if you see an Amex Offer for Delta Air Lines and you have a co-branded Delta credit card or a Hilton offer for your Hilton co-branded card. In either of these cases, you could score the Amex Offer and earn points on your spending with your co-branded credit card.
Stack rewards using shopping portals
Sometimes you’ll find that shopping portals offer another way to double up on rewards. For example, you may have an Amex offer on your card with a store that is offering bonus cash back with the Rakuten shopping portal or Delta SkyMiles shopping. In that case, you could take advantage of the shopping portal bonus and earn an Amex Offer in one fell swoop.
The bottom line
Amex Offers is easy to use and already enabled in your Amex credit card account, so you might as well take advantage. With that being said, other credit card issuers like Chase have unveiled similar programs, so you should check them out, too.
At the end of the day, there are numerous ways to earn more rewards on your spending, and Amex Offers is just one strategy. Make sure you have the right credit card offer from American Express or any other issuer, and you’ll be on your way to earning more points and miles in no time.
All information about The Amex EveryDay® Credit Card from American Express has been collected independently by Bankrate and has not been reviewed or approved by the issuer.