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MStudioImages/Getty Images July 15, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. American Express is well known for its selection of cash back cards and rewards cards, some of which let you earn points in the program. While all its 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 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 an Amex Offer promotion before you can take advantage of it. Also, note that Amex credit card offers are often tailored to the user based on their spending habits or the specific Amex 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 or points within an Amex partner program like Hilton Honors. Here are a few examples of recent Amex Offers: Spend $450 or more at Silvercar, get $100 back Spend $99 or more at HBO Max, get $25 back Spend $150 or more at Glasses.com, get $30 back Spend $150 or more at Levi’s, get $30 back Spend $40 or more at Teleflora, get $15 back (up to 10 times) With each Amex Offer you’re 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. Also, be aware that you can use some Amex Offers more than once, although the promotion needs to explicitly say so for it to work. 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 in to 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 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. 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 Silvercar deal lets you get $100 back when you spend $450 with this company, but the fine print is very clear about the expiration date, stating the following: “Get a one-time $100 statement credit by using your enrolled eligible Card to spend a minimum of $450 in one or more purchases online at silvercar.com by 9/30/2022.” Also, notice all the fine print below the Amex Offer details. In this case, eligible car rentals must be returned and completed by the offer end date. Other limitations can apply to different Amex Offers, so make sure to read all the fine print so you can follow the rules. Which cards have Amex Offers
All American Express credit cards have Amex Offers available. This includes cash back cards, Amex with Delta and Hilton, American Express Membership Rewards 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 card can qualify, the following table shows some of the to consider: Card name Rewards Welcome bonus Annual fee 4X Membership Rewards points at restaurants, including takeout and delivery in the U.S. 4X points on Uber Eats purchases 4X points at U.S. supermarkets (on up to $25,000 in purchases per year, then 1X points) 3X points on flights booked directly with airlines or via Amex Travel 2X points on rental cars booked through Amex Travel 1X points on all other purchases 60,000 points after spending $4,000 in purchases within six months of card membership $250 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through Amex Travel (per calendar year) 2X points on prepaid car rentals through Amex Travel 1X points on all other purchases 100,000 points after you spend $6,000 on purchases in the first six months $695 2X points on up to $50,000 in purchases per year (unlimited 2X points on prepaid rental cars booked through AmexTravel.com) 1X points after that 15,000 points after you spend $3,000 on eligible purchases in the first three months $0 6% cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent) 6% back on select U.S. streaming subscriptions 3% back on transit 3% back on U.S. gas station purchases 1% back on all other purchases $250 statement credit after you spend $3,000 in purchases within the first six months $95 ($0 intro annual fee for the first year) 2X points at U.S. supermarkets (up to $6,000 per year, then 1X) 2X points on prepaid rental cars booked through Amex Travel 1X points on all other purchases 10,000 points after spending $1,000 on purchases within the first three months $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 . 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, some steps can help you maximize these deals, including the following: Immediately add offers you like to your card
Add any Amex Offers to your rewards card whether you’re sure you’ll use them or not. Amex has been known to limit enrollment with some of its 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 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 cards with bonus categories
Double up on offers and rewards when you get the chance, and particularly if you see an Amex Offer for Delta Air Lines and have a (or a Hilton offer for your ). In either of these cases, you could score the Amex Offer and earn points on your spending with your co-branded card. Stack rewards using shopping portals
Sometimes you’ll find that 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 or , for example. 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 are easy to use and are already enabled in your Amex card account, so you might as well take advantage. With that said, other card issuers—Chase’s —have unveiled similar programs, so you should check them out as well. 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 rewards in no time. SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Related Articles