Amex Offer Cheat Sheet

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Don’t forget to use your monthly dining credits, wireless credits, and Paypal credits. In March, I used my dining credits on gift cards (Grubhub & Uber Eats) bought through Fluz. I used my wireless and Paypal credits in obvious ways: AT&T wireless and regular spend for Paypal. Also keep in mind that the Marriott Amex Offer is ending soon (4/10/21).

Often, there are many great Amex Offers available to cardholders.  Some are available to all cardholders. Some are for those with specific cards.  Many are targeted to specific people.  The goal of this post is to identify the best current offers and identify the non-obvious ways to get value from them.  We intend to update this post often.  Reader suggestions are appreciated!

About buying gift cards…

Many Amex Offers have exclusions against buying gift cards.  Often, though, there are nuances to this that are unclear from the terms.  For example, with bestbuy.com offers, Best Buy e-gift cards truly are excluded: you won’t trigger the offer when buying them.  That said, physical Best Buy gift cards will work.  Plus, bestbuy.com sells 3rd party gift cards and those purchases will also trigger the offer.  That’s the type of “cheat sheet” info that this post is intended to convey…

Current Offers

BestBuy.com: Spend $50 or more, get $50 back (Twice)

Applies to: Consumer Platinum cards active by November 1 2020 or before

Valid through: June 30, 2021

Offer:  Spend $50 or more, get $50 back. Up to 2 times (total of $100). Get a $50 statement credit by using your enrolled Card to spend a minimum of $50 in one or more transactions online at bestbuy.com® by 6/30/2021.

More Info: Great Amex Offers for Personal Platinum Cardholders

Cheat Sheet:

  • This is valid only for online purchases.
  • Spend $100 or more in a single transaction to earn both $50 credits at once.
  • BestBuy.com sells 3rd party gift cards online (Apple, Delta, Hotels.com, Starbucks, etc.).  Found here.
  • Do NOT buy Best Buy’s own e-gift cards since they will not trigger the offer.  Best Buy’s e-gift cards are processed by CashStar, not by Best Buy.  Physical Best Buy gift cards should be fine to purchase.

Dell offers & rebates

Up to $200 per year, applies to: Business Platinum Cards

Valid through: Ongoing card perk

Offer: Get up to $200 in statement credits annually for U.S. purchases with Dell Technologies. Get up to $100 in statement credits between January and June and up to $100 in statement credits between July and December for U.S. purchases with Dell Technologies on your Business Platinum Card when enrolled. That’s up to $200 in statement credits annually.

Get 10% back on up to $1,500, applies to: Targeted Business Cards

Valid through: 4/26/21

Offer: Get 10% back on purchases, up to $1,500.  Get 10% back as a statement credit by using your enrolled Business Card on eligible purchases online at Dell.com/amex or by calling 855-315-5552 by 4/26/2021. Limit of $1,500 in total statement credits.

More Info: 10% back at Dell up to $1500 back with Amex Offer

Spend $500, Get $100, applies to: Targeted Consumer Cards

Valid through: 4/20/21

Offer: Spend $500 or more, get $100 back at Dell.com. Get a one-time $100 statement credit by using your enrolled Card to spend a minimum of $500 in one or more transactions online at Dell.com by 4/30/2021.

More Info: Dell Amex Offer: Spend $500, Get $100

Cheat Sheet:

  • Even though the offers suggest shopping at “www.dell.com/amex,” that is not necessary in practice.  Instead, always start your shopping with the best current shopping portal for Dell.  See the best portal options here.
  • The Business Platinum rebate can stack with the 10% back Amex Offer.  That said, it’s important to make sure that you do not get more money back then you spent since Amex has been known to claw back overpayments.  Instead, make sure to spend $112 or more at Dell each 6 months.
  • Dell allows splitting purchases across three credit cards. If you have multiple cards with these offers, you can use more than one in a single purchase.
  • While you can’t use this offer to buy Dell gift cards, in the past Xbox gift card purchased through Dell have counted as regular purchases.  And now that Xbox gift cards can be used to buy hardware from the Xbox store (such as Xbox consoles),  there’s more potential value in those gift cards than ever before.

Delta: Spend $200 & Get $40 Back

Applies to: Consumer & business cards (highly targeted)

Valid through: June 30, 2021

Offer: Spend $200+ in one or more transactions with Delta Air Lines & get $40 back. Offer valid for purchases made directly with Delta Air Lines through U.S. delta.com, via Fly Delta U.S. app, and U.S. reservation telephone line. Expires March 31, 2021.

More Info: Delta Amex Offer: Spend $200 & Get $40 Back (Targeted, Ends 3/31/21)

Cheat Sheet:

  • Book a Delta award flight originating in North America but with very high ($200+) award fees plus taxes. FYI: Delta no longer charges to change or cancel awards for flights originating in North America.  When you cancel these awards, Delta will refund your fees and redeposit miles.  Note: If you do cancel for a full refund, there is a risk of Amex clawing back your $40 from this offer.  In other words, if you decide not to use the award flight, you may be better off changing it to a later date and/or destination.
  • Buy a Delta gift card from Delta.  Be careful with this since it doesn’t work in all situations: First, you have to buy them directly from Delta rather than the CashStar site which also sells them – this is the page you need to buy them from.  Second, you need to buy them on desktop rather than a mobile device because for some reason gift card purchases on your phone code differently than purchases made on your computer.

HomeDepot.com: Spend $50 or more, get $50 back (Twice)

Applies to: Consumer Platinum cards active by November 1 2020 or before

Valid through: June 30, 2021

Offer: Spend $50 or more, get $50 back. Up to 2 times (total of $100). Get a $50 statement credit by using your enrolled Card to spend a minimum of $50 in one or more eligible transactions online at HomeDepot.com by 6/30/2021. Excludes “Scheduled Delivery” shipping and in-store pickup. Limit of 2 statement credits (total of $100).

More Info: Great Amex Offers for Personal Platinum Cardholders

Cheat Sheet:

  • This is valid only for online purchases.
  • Spend $100 or more in a single transaction to earn both $50 credits at once.

Home Chef: Spend $50 or more, get $50 back (3 Times)

Applies to: Consumer Platinum cards active by November 1 2020 or before

Valid through: June 30, 2021

Offer: Spend $50 or more, get $50 back. Get a one-time $50 statement credit by using your enrolled Card to make a single purchase of $50 or more online at homechef.com by 6/30/2021. Limit of 3 statement credits (total of $150 back) per Card Member.

More Info: Great Amex Offers for Personal Platinum Cardholders

Cheat Sheet:

Lowes: 10% back, up to $50 or $100 back

Applies to: Targeted business cards

Valid through: June 30, 2021

Offer: Get 10% back on purchases, up to $50 (or $100).  Get 10% back as a statement credit by using your enrolled Business Card to make eligible purchases in-store at Lowe’s or online at Lowes.com or LowesforPros.com by 6/30/2021. Limit of $50 (or $100) in total statement credits.

More Info: 10% back at Lowe’s with new Amex Offer

Cheat Sheet:

  • Lowes stores sell many different kinds of 3rd party gift cards
  • Combine with the Spend $500+, Get $25 offer to get a total of $75 back on a single Lowes $500 purchase.
  • Link your Amex card to JetBlue’s in-store card-linked program to earn 3x JetBlue points.

Marriott: Spend $200 or more, get $50 back

Applies to: Any (Targeted)

Valid through: April 10, 2021

Offer: Spend $200 or more, get $50 back. Get a one-time $50 statement credit by using your enrolled Card to spend a minimum of $200 USD on room rate and room charges, when you pay for your stay at participating properties across the Marriott Bonvoy™ portfolio’s 30 hotel brands from 2/2/2021 to 4/10/2021. Reserve online at marriott.com.

More Info: $50 back on $200 at Marriott with new Amex Offer

Cheat Sheet:

  • While the terms specifically exclude gift card purchases, past offers have worked on gift cards purchased at a hotel front desk. We suspect that will likely still work here. Be aware that the difficulty is in finding a front desk that stocks the cards and an employee who knows how to sell them, but if you find that combination it will likely trigger the offer.

PayPal $30/Month

Applies to: All consumer Platinum cardholders

Valid: Monthly through June 30, 2021

Offer: Get up to $30 per month as an automatic rebate on charges made through Paypal with your consumer Platinum card.  Person to Person payments are not eligible for statement credits.  This one isn’t really an Amex Offer, but it’s similar enough to one to be worth covering here.

More Info: How to max out your monthly $30 in free PayPal spend

Cheat Sheet:  PayPal is so commonly accepted for online purchases that I don’t really think a cheat sheet is needed here, but nevertheless:

  • Use PayPal to reload your favorite merchant accounts or buy gift cards from them: Starbucks, Target, Walmart, etc.
  • Buy almost any type of gift card with a service like Fluz.  Details here.  If you’re new to Fluz, below are our referral links. You’ll received 3 vouchers when joining, while we’ll earn 1 voucher after you make your first purchase. Each voucher offers 35% back (up to $3.50) on select gift cards:
  • Give to your favorite charity with no credit card fees.  Details here.
  • Add $30 each month to your Kiva balance.  At any point, then, you can loan out that money to those seeking funds through Kiva.  Kiva microloans don’t pay interest, but if you’re lucky you’ll get almost all of your spend back eventually.  Details here.

Spend $500+ Get $25

Applies to: Most Blue Business Plus cards and some other business cards

Valid through: June 30, 2021

Offer: Spend $500 or more, get $25 back. Up to 10 times (total of $250).  Get a $25 statement credit by using your enrolled Card to spend a minimum of $500+ in a single eligible transaction. Must spend by 6/30/2021. Limit of 10 statement credits (total of $250).

More Info: Amex Offer: Spend $500, Get $25 (10 times)

Cheat Sheet:

  • Sometimes billers will accept credit cards but only with a fee.  In some cases, it can be worth paying that fee to make use of this offer.  For example, let’s say you have to make a large payment but will be charged 3% in fees to pay by credit card.  If you break up the payments into multiple $500 charges, you’ll get back 5% each time ($25 back from $500 spend), and so you’ll clear 2% back.  The same idea goes for Plastiq bill payments which incur a 2.85% fee.
  • Tax payments can be made with approximately a 2% fee.  Again, if you pay in $500 increments, you’ll get back 5% and therefore gain a net 3% back.  Important: tax payment fees are charged separately and so you can’t add up the tax payment and the fee to get over $500 since this offer is triggered only when individual charges are $500 or more.  See also: Pay taxes via credit card.
  • Make $500 worth of Kiva loans at a time and get back 5% (or add $500 at a time to your Kiva balance).  Kiva microloans don’t pay interest, but if you’re lucky you’ll get almost all of your spend back eventually.  Details here.

U.S. Restaurants: Monthly rebate

Applies to: Most consumer Amex Delta, Hilton, and Marriott cards

Valid through: 2021

Offer: Spend $5 (or $10, $15, or $20) or more at U.S. restaurants, earn $5 (or $10, $15, or $20) back once a month, through 2021. From the time you enroll through 12/31/21, earn a $5 (or $10, $15, or $20) statement credit after spending $5 (or $10, $15, or $20) or more each month in purchases at U.S. restaurants (including take-out and delivery) on your Card. Earn up to a total of $55 (or $110, $165, or $220) in statement credits.

More Info:

Cheat Sheet:

  • Reload your credit balance with any of these U.S. restaurants through their apps: Chick-fil-A, Dunkin’ Donuts, Starbucks.
  • Buy a gift card in-store from any restaurant you frequent.
  • Buy a gift card from the DoorDash app (caution: we haven’t yet verified that this works)
  • The Fluz app offers a large selection of restaurant gift cards that code as restaurants when you buy them.  In other words, buying these gift cards should trigger the Amex Offer.  You can find a list of qualifying Fluz gift cards at GC Galore.  If you’re new to Fluz, below are our referral links. You’ll received 3 vouchers when joining, while we’ll earn 1 voucher after you make your first purchase. Each voucher offers 35% back (up to $3.50) on select gift cards:

U.S. Wireless Phone Services: Monthly rebate

Applies to: Most business Amex Delta, Hilton, and Marriott cards

Valid through: 2021

Offer: Spend $10+ (or $15+ or $20+) on monthly U.S. wireless telephone services, earn $10 (or $15 or $20) back each month. Starting from the time you enroll through 12/31/21, earn a $10 (or $15 or $20) statement credit each month after spending $10 (or $15 or $20) or more on monthly wireless telephone services purchased directly from U.S. service providers, up to a total of $110 (or $165 or $220) in statement credits.

More Info:

Cheat Sheet:

Expired Offers

Hyatt: Spend $300 or more, get $60 back

Applies to: Highly targeted

Valid through: March 15, 2021

Offer: Spend $300 or more, get $60 back. Get a one-time $60 statement credit by using your enrolled Card to spend a minimum of $300 in one or more transactions, on room rate and room charges, when you pay for your stay at Hyatt Hotels & Resorts from 1/15/2021 to 3/15/2021.

More Info: [Targeted] Hyatt Amex Offer: Get $60 back on $300

Cheat Sheet:

  • While the terms specifically exclude gift card purchases, a reader has reported that this worked with gift cards purchased at a hotel front desk.  Be aware that the difficulty is in finding a front desk that stocks the cards and an employee who knows how to sell them, but if you find that combination it will likely trigger the offer.

Sun Basket: Spend $50 or more, get $25 back (2 times)

Applies to: Targeted

Valid through: February 22, 2021

Offer: Spend $50 or more, get $25 back. Up to 2 times (total of $50).  Get a $25 statement credit by using your enrolled Card to make a single purchase of $50 or more online at sunbasket.com by 2/22/2021. Limit of 2 statement credits (total of $50).

More Info: Profitable Sun Basket meal delivery deal via Swagbucks and Amex Offer

Cheat Sheet:

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