Amex Offers September 2024

Many top credit cards come with flashy perks such as elite status, airport lounge access and generous statement credits, but less-heralded benefits can prove just as valuable over time. One prime example is the Amex Offers program, which gives card holders access to a lengthy, dynamic list of deals that earn cash back and bonus rewards for eligible purchases.

The best Amex Offers can save you hundreds of dollars when you pay with your enrolled American Express card, and since offers are available to nearly all Amex card holders, you don’t need a premium credit card with a high annual fee to get them. If you have an Amex card, these offers are well worth checking out.

What are Amex Offers?

Amex Offers are promotions available to American Express credit card holders that provide incentives such as discounts or rewards for doing business with participating merchants. These offers are personalized for individual card holders based on factors such as location and spending habits, and may vary from one card account to another. Amex adds and removes offers continuously throughout the year, with new offers appearing daily.

The variety and simplicity of Amex Offers have made the program popular among deal seekers. For example, online deal community Slickdeals posted more than 450 deals involving Amex Offers in 2023, with about 35% of those reaching the site’s highly trafficked front page. “They perform very well,” said Slickdeals personal finance expert Johan Mengesha. “We tend to see more of them compared to offers from other issuers.”

American Express reports that the program receives strong engagement, with hundreds of millions of offer enrollments from its more than 100 million card members. In 2023, for example, US card members who enrolled in Amex Offers added the potential to earn an average of $150 back in statement credits on qualifying purchases.

Types of Amex Offers

Amex Offers come in a variety of formats. Some provide statement credits or bonus points after spending a set amount, while others offer percentage discounts on spending up to a preset limit. Offers may apply to a single purchase or to cumulative spending across multiple purchases, and some offers can be redeemed more than once. Each offer has unique terms that specify when and where it can be used, which purchases qualify and more. The screenshot below shows a sampling of Amex Offers available at the time of writing.

How do Amex Offers work?

How to find Amex Offers

You can view and enroll in Amex Offers through your American Express account both online and in the Amex app. You’ll find Amex Offers on the web listed below your account overview and recent transactions, or by logging in directly to the Amex Offers & Benefits page.

In the Amex app, look for the “Offers” tab at the bottom of the screen. You should see the same offers regardless of which interface you use.

You can sort the Amex Offers list by purchase category (such as dining, entertainment or travel), offer type (cash back or bonus rewards) and whether offers are available in-store or online. Amex also provides a separate tab for offers you’ve already added to your account, so you can find them without having to sift through the rest.

How to activate Amex Offers

To activate Amex Offers, click the “Add to Card” button that appears next to web offers, or the plus sign that appears on the right side of offers in the Amex app. You’ll get a visual confirmation when an offer has been added to your account, and offers are ready to use immediately upon activation.

Once activated, offers will migrate from the “Available” list to the “Added to Card” list (though you might have to refresh your screen for this to take effect).

If you have more than one eligible American Express card, offers may appear to be available on multiple accounts. In that case, you can only activate each unique offer on a single account, and doing so will cause the offer to disappear from your other accounts. However, you can add offers to multiple cards if they’re similar but not identical (like a merchant offering cash back on one card and bonus points on another).

How to use Amex Offers

To redeem an Amex Offer, use your American Express credit card with the activated offer to make qualifying purchases with the specified merchant, observing any conditions noted in the offer terms. All of those steps are essential, and you’re unlikely to reap the rewards of an offer if you forget to activate it first, pay with the wrong credit card, fall short of spending thresholds or fail to meet other offer terms. Once you redeem an offer successfully, however, you don’t have to do anything further but wait for the rewards to show up in your account (typically within a few weeks).

American Express typically sends a congratulatory email notification when you redeem an Amex Offer, but those emails are inconsistent and can be misleading. You won’t always get a notification after meeting the offer terms, and you might get one even if some terms remain unfulfilled. It pays to keep an eye out for any due statement credits or rewards, and contact customer service if they don’t show up as expected.

Which cards qualify for Amex Offers?

The Amex Offers program is open to nearly all American Express cards in the US, including personal credit cards and business credit cards, as well as some credit cards issued by third parties that operate on the American Express network. Corporate cards and Amex gift cards are not eligible for Amex Offers, and neither are most prepaid Amex cards (with the exception of Bluebird and Serve prepaid Amex debit cards). Here are some of the many cards eligible for Amex Offers:

American Express Membership Rewards earning cards

These cards earn flexible American Express Membership Rewards? points, which you can redeem for travel, transfer to airline and hotel partners, trade in for statement credits and more:

• The Platinum Card? from American Express
• American Express? Gold Card
• Amex EveryDay? Preferred Credit Card * The information for the Amex EveryDay? Preferred Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
• The Business Platinum Card? from American Express * The information for the The Business Platinum Card? from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
• The Blue Business? Plus Credit Card from American Express * The information for the The Blue Business? Plus Credit Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

American Express cash back cards

American Express issues several cash back credit cards, including:

• Blue Cash Preferred? Card from American Express
• Blue Cash Everyday? Card from American Express
• The American Express Blue Business Cash? Card * The information for the The American Express Blue Business Cash? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
• American Express Cash Magnet? Card * The information for the American Express Cash Magnet? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Co-branded American Express cards

Amex partners with airlines, hotels and retailers to produce co-branded credit cards, including:

• Delta SkyMiles? Gold American Express Card
• Hilton Honors American Express Surpass? Card
• Marriott Bonvoy Brilliant? American Express? Card
• Lowe’s Business Rewards Card from?American?Express * The information for the Lowe’s Business Rewards Card from?American?Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Third-party American Express cards

A handful of smaller issuers offer cards with American Express branding, including:

• Navy Federal More Rewards American Express? Card * The information for the Navy Federal More Rewards American Express? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
• Bread Cashback? American Express? Credit Card * The information for the Bread Cashback? American Express? Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.
• Macy’s American Express? Card * The information for the Macy’s American Express? Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

How to maximize Amex Offers

Amex Offers present opportunities to save on purchases you’re already planning to make, and to try out new products and services at a discounted price. Many offers will only save you a few dollars, but the best Amex Offers can earn you hundreds of dollars in cash back or rewards. All these savings add up over time.

However you use Amex Offers, here are tips to help you get the most out of them.

Enroll in Amex Offers with multiple cards

You can only activate each unique Amex Offer on a single card, but when an offer is available on more than one card, you can maximize your return by activating the offer on whichever card is most rewarding. For example, rather than load a Delta Air Lines cash back offer on your Amex Delta credit card, you could activate it on your Amex Platinum card to earn 5 points per dollar on airfare.

Conversely, you can load offers that don’t interest you to your least-rewarding Amex card. This makes room on your other cards for more desirable offers, since Amex will only show you a maximum of 100 offers per card at one time.

Add Amex Offers quickly

Amex Offers must be redeemed (not just activated) by their advertised expiration dates, so be sure to use your offers before they expire. Keep in mind that charges may not post to your account immediately — for example, transactions might not process over a weekend or holiday, and some retailers don’t charge your card until your order is shipped. Save yourself a potential headache and redeem offers with time to spare.

Another pitfall is that many Amex Offers cap enrollment, and may become unavailable for activation prior to the expiration date when the cap is reached. When you’re targeted for an offer you plan to use (or might want to use), activate it right away to avoid getting left behind.

Stack Amex Offers with other discounts

Beyond the requirement to make qualifying purchases with your enrolled card, Amex Offers are compatible with a variety of other discounts. That means you can save even more money by stacking Amex Offers with merchant sales and coupons, making eligible purchases through an online shopping portal, and taking advantage of in-store rewards programs.

Read the fine print

Amex Offers come with a litany of terms and conditions that can complicate redemption. These may require you to shop either online or in-store only, or to make purchases through a provided URL. Terms may also limit eligibility to select purchases or locations, and other restrictions may apply. Before you redeem an offer, read the fine print to make sure you’re getting the deal you expect.

Check back for new Amex Offers frequently

New offers show up in your account as old ones are used or expire, so check back regularly to see what’s available. Amex sometimes makes offers available in waves, so you may be targeted for offers that you didn’t get initially.

How to get more Amex Offers

How many Amex Offers can you add?

While Amex only shows up to 100 available offers for each card account, there is no preset limit to how many offers you can activate. That means there’s no downside to enrolling in offers, as it won’t prevent you from getting or activating other offers in the future.

How do I get targeted Amex Offers?

Amex aims to deliver personalized and relevant offers to card holders, but doesn’t disclose details of how offers are targeted. That means there’s no clear path to getting targeted for a specific offer, but you can improve your chances of getting targeted generally by adding offers to your cards to ensure your accounts are under the limit of 100 available offers. You can also create more opportunities to receive offers by adding authorized users to your accounts, since secondary card holders are eligible for their own unique offers.

Can I add all Amex Offers at once?

Amex doesn’t provide a way to activate multiple offers at once, but this third-party Chrome browser extension allows you to add all available offers with a single click. However, that convenience comes at the risk of activating offers to less-rewarding card accounts.

You can activate offers much more quickly in the Amex app than in a browser, so consider using your mobile device when activating offers manually.

Frequently asked questions (FAQs)

Does everyone get the same Amex Offers?

No, not everyone gets the same Amex Offers, which are targeted based on factors such as location and spending habits.

How often do Amex Offers change?

Amex Offers change continuously, with new offers added daily and old offers disappearing upon expiration.

Do Amex Offers expire?

Amex Offers expire on the date specified in the offer terms, which is also indicated on the list of offers shown in your card account.

When will I get my cash back or bonus points from an Amex Offer?

Amex Offers generally state that statement credits or bonus rewards will be received within 90 days of the expiration date, provided that Amex receives information confirming your qualifying purchase. In practice, statement credits and bonus rewards are typically distributed much sooner, often within days of fulfilling the offer terms. Call the number on the back of your card if you’ve met the terms of an offer but haven’t received rewards or cash back as expected.

Are Amex Offers worth it?

At a minimum, Amex Offers are worth reviewing to see if you can save on purchases you’re going to make anyway. You may also find more speculative opportunities, such as discounts on purchases you’re still contemplating or products you’ve been wanting to try.