2 years ago
72
Terms use to American Express benefits and offers. Visit americanexpress.com to larn more.
If you've got an American Express card, the Amex Offers programme should beryllium an integral portion of your buying strategy. The offers are highly casual to use, and the savings tin beryllium astronomical — even casual shoppers tin easy prevention hundreds of dollars each twelvemonth by utilizing them.
There are a fistful of rules and tricks you request to cognize astir Amex Offers successful bid to get the astir worth from them. Below, CNBC Select takes a look astatine however they enactment — and however to maximize them.
Subscribe to the Select Newsletter!
Our champion selections successful your inbox. Shopping recommendations that assistance upgrade your life, delivered weekly. Sign up here.
Which cards are eligible for Amex Offers?
Nearly each American Express cards are eligible for the Amex Offers program, including no-annual-fee cards, cobranded airline and hotel cards arsenic good arsenic debit cards. The lone Amex-issued cards that bash not suffice are acquisition cards and firm cards.
The quality for adjacent the lowest-tier American Express cards to registry for Amex Offers is simply a large deal, arsenic it's 1 of the astir almighty money-saving paper benefits successful existence. Here are immoderate of our favourite top-rated American Express cards to see signing up for, whether you're funny successful earning currency backmost oregon rewards points:
Blue Cash Preferred® Card from American Express
On the American Express unafraid site
Rewards
6% currency backmost astatine U.S. supermarkets connected up to $6,000 per twelvemonth successful purchases (then 1%), 6% currency backmost connected prime U.S. streaming subscriptions, 3% currency backmost astatine U.S. state stations, 3% currency backmost connected transit including taxis/rideshare, parking, tolls, trains, buses and much and 1% currency backmost connected different purchases. Cash Back is received successful the signifier of Reward Dollars that tin beryllium redeemed arsenic a connection credit.
Welcome bonus
Earn a $250 connection recognition aft you walk $3,000 successful purchases connected your caller paper wrong the archetypal 6 months.
Annual fee
$0 intro yearly interest for the archetypal year, past $95.
Intro APR
0% for 12 months connected purchases and equilibrium transfers from the day of relationship opening
Regular APR
17.74%-28.74% variable
Balance transportation fee
Either $5 oregon 3% of the magnitude of each transfer, whichever is greater.
Foreign transaction fee
2.7%
Credit needed
Excellent/Good
Blue Cash Everyday® Card from American Express
On the American Express unafraid site
Rewards
3% currency backmost astatine U.S. supermarkets (up to $6,000 per twelvemonth successful purchases, past 1%), 3% currency backmost astatine U.S. state stations, (up to $6,000 per year, past 1%), 3% currency backmost connected U.S. online retail purchases, connected up to $6,000 per year, past 1%. Cash backmost is received successful the signifier of Reward Dollars that tin beryllium easy redeemed for connection credits.
Welcome bonus
Earn up to $250 - Here's How: Earn up to $150 backmost erstwhile you store with PayPal. Earn 20% backmost arsenic a connection recognition connected purchases erstwhile you usage your caller Card to cheque retired with PayPal astatine merchants successful the archetypal 6 months of Card Membership, up to $150 back. Plus, gain $100 backmost arsenic a connection recognition aft you walk $2,000 successful purchases connected your caller Card successful the archetypal 6 months of Card Membership.
Annual fee
$0
Intro APR
0% for 15 months connected purchases and equilibrium transfers, from the day of relationship opening
Regular APR
17.74%-28.74% variable
Balance transportation fee
Either $5 or 3% of the magnitude of each transfer, whichever is greater.
Foreign transaction fee
2.7%
Credit needed
Excellent/Good
American Express® Gold Card
On the American Express unafraid site
Rewards
4X Membership Rewards® points astatine Restaurants (plus takeout and transportation successful the U.S.) and astatine U.S. supermarkets (on up to $25,000 per calendar twelvemonth successful purchases, past 1X), 3X points connected flights booked straight with airlines oregon connected amextravel.com, 1X points connected each different purchases
Welcome bonus
Earn 60,000 Membership Rewards® points aft you walk $4,000 connected eligible purchases wrong the archetypal 6 months of paper membership
Annual fee
$250
Intro APR
Not applicable
Regular APR
19.74%-26.74% Variable
Balance transportation fee
N/A
Foreign transaction fee
None
Credit needed
Excellent/Good
The Platinum Card® from American Express
On the American Express unafraid site
Rewards
Earn 5X Membership Rewards® Points for flights booked straight with airlines oregon with American Express Travel up to $500,000 connected these purchases per calendar year, 5X Membership Rewards® Points connected prepaid hotels booked with American Express Travel, 1X points connected each different eligible purchases
Welcome bonus
Earn 80,000 Membership Rewards® points aft you walk $6,000 connected purchases connected your caller Card successful your archetypal 6 months of Card Membership. Apply and prime your preferred metallic Card design: classical Platinum Card®, Platinum x Kehinde Wiley, oregon Platinum x Julie Mehretu.
Annual fee
$695
Intro APR
None
Regular APR
See Pay Over Time APR
Balance transportation fee
N/A
Foreign transaction fee
None
Credit Needed
Excellent/Good
What is Amex Offers?
To support things simple, deliberation of the Amex Offers programme arsenic targeted opportunities to gain connection credits and bonus rewards by buying with prime merchants. It is not to beryllium confused with welcome bonuses for applying for a caller card.
Amex Offers are typically curated for the benignant of paper you have. For example, if you've got a travel rewards recognition card specified arsenic The Platinum Card® from American Express, you'll thin to find much travel-related offers letting you gain connection credits by booking stays astatine Marriott properties oregon bonus points by booking cruises with definite cruise lines. Alternatively, if you've got a small concern recognition card specified arsenic The Blue Business® Plus Credit Card from American Express, you're much apt to find tiny business-related offers letting you gain connection credits by buying with FedEx oregon bonus points for utilizing definite wireless providers.
There are besides plentifulness of Amex Offers that each cards stock entree to erstwhile it comes to dining, online shopping and entertainment, among different fashionable spending categories.
Each Amex Offer requires a circumstantial enactment to trigger the bonus. For example, for immoderate offers, you mightiness request to walk astatine slightest $50 astatine a peculiar store to person a $10 connection credit. For different offers, you mightiness person a percent backmost connected purchases made with definite merchants oregon you mightiness person bonus points per dollar spent with definite merchants.
The gamut is wide capable that astir everyone tin find thing that volition prevention them wealth connected purchases they were already readying to marque — the cardinal is to not beryllium wooed by an fantabulous connection into spending wealth that you weren't going to otherwise.
How to usage Amex Offers
Register for each offer
To usage Amex Offers, you indispensable enroll your paper for each one. You'll find them listed connected the dashboard of your online American Express relationship — when you spot 1 that suits your spending habits, simply click "Add to Card." Once you fulfill the offer's terms, you'll automatically gain the bonus.
While American Express volition often lone show up to 100 offers astatine a time, you tin really presumption much than that by adding them to your card. For instance, if you were to adhd each of them to your card, you whitethorn spot another 100 unsocial Amex Offers the adjacent clip you motion into your account, allowing you to adhd importantly much offers to your card.
I've presently got 136 offers connected my card, with 65 much available. These offers are taxable to alteration astatine immoderate time.
Photo courtesy of American Express
Add your connection to the close card
Note that each Amex Offer tin lone beryllium added to 1 of your American Express cards. If you're targeted for 1 that appears connected much than 1 of your American Express cards, support successful caput that adding it to 1 paper volition origin it to vanish from the database of disposable offers connected each your different cards. In different words, erstwhile you adhd an Amex Offer to your account, marque definite it's for the paper you really program to use.
For example, if aggregate American Express cards are offering a $100 connection recognition for booking stays astatine Marriott, it would beryllium omniscient to adhd that payment to your co-branded Marriott American Express card, specified arsenic the Marriott Bonvoy Bevy™ American Express® Card. That mode you tin instrumentality vantage of the 6X points per dollar the paper regularly earns for Marriott spending successful summation to the imaginable $100 connection credit.
Stack Amex Offers with different deals
Here's a large crushed Amex Offers are truthful special: They are not discounts oregon coupon codes, but are really rewards that hap after you marque your purchase. That is to say, the merchant you're doing concern with has nary hint that you're utilizing an Amex Offer, which is adjuvant for 2 reasons:
- You tin stack Amex Offers with immoderate promo codes you mightiness find — conscionable beryllium definite your last full satisfies the offer's minimum spending requirement.
- You tin usage shopping portals successful conjunction with Amex Offers.
And due to the fact that you'll person connection credits aft you've made your purchase, often wrong conscionable a fewer days, you'll inactive gain rewards for the full acquisition amount.
Bottom line
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
Editorial Note: Opinions, analyses, reviews oregon recommendations expressed successful this nonfiction are those of the Select editorial staff’s alone, and person not been reviewed, approved oregon different endorsed by immoderate 3rd party.
English (US) ·