Amex Offer Cheat Sheet

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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.  For example, dining gift cards purchased through Fluz count towards dining offers.  And, hotel gift cards purchased at the front-desk generally count towards hotel offers.  Details like these are shown below within each appropriate section.

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…

Stacked Offers

Sometimes multiple offers can apply to the same purchase.  When this happens, you can get two rebates with a single purchase!  Here are some examples:

Dell $100 + 10% Back

Add the Dell 10% back offer to your Business Platinum account so that you can get both the Dell $100 rebate every 6 months, plus 10% off.  It’s a good idea to make sure that you do not get more money back then you spent since Amex has been known to claw back over-payments.  For example, if you spend only $100, then you’ll get back $110 total and Amex will likely claw back the extra $10.  Instead, ideally you would spend $112 or more at Dell so that you’ll get back slightly less than you spent.

Monthly Restaurant Credits + Specific Dining Offers

Throughout 2021, many consumer Amex Delta, Hilton, and Marriott cards get automatic monthly rebates for spend at U.S. restaurants (details here).  Amex also regularly has offers for specific restaurants or coffee shops.  If you load these offers to the same card that has a monthly rebate, you can earn both with one purchase. I stumbled upon one of these when I loaded the Illy Coffee offer (Spend $50, Get $10) to a card that also has a monthly $10 dining rebate and I earned a total of $20 on this purchase.  For more deal stacking tips at Illy, see this post.

Tip: By logging into your Amex account and selecting to view all offers, you’ll see an option to refine by “Dining”.  Theoretically this will show you the offers that will stack with your monthly dining rebate.

Here are some examples offer offers that Amex appears to code as dining:

  • California Pizza Kitchen: Spend $50 or more, get $15 back (thru 9/3/21)
  • Illy Coffee: Spend $50+, Get $10.
  • Starbucks: Get 15% back on purchases, up to $5 (thru 8/4/21)
  • Blue Apron: Spend $50 or more, Get $25 back (thru 7/5/21)
  • Pete’s Coffee: Spend $20 or more, get $5 back. Up to 3 times (total of $15). [Thru 9/30/21]
  • Carnegie Deli: Spend $100 or more, get $20 back. Up to 2 times (total of $40). [thru 8/31/21]
  • Sakara: Spend $200 or more, get $50 back (thru 7/31/21)
  • Parcelle Wine: Spend $75, get $20 back (thru 8/19/21)

Current Offers

Amazon: Spend $500+, get 1K points. 3 times (thru 7/15/21)

Applies to: Business cards that earn Membership Rewards points

Valid through: July 15, 2021

Offer:  Spend $500 or more, get 1,000 Membership Rewards® points. Up to 3 times. Get 1,000 additional Membership Rewards points by using your enrolled Business Card to spend a minimum of $500 in one or more eligible transactions online at Amazon.com by 7/15/2021. Limit of 3,000 total Membership Rewards points.

Cheat Sheet:

  • Reload your Amazon gift card balance $500 at a time to trigger this offer.
  • Load the offer to a card that has other spending offers in order to double-dip.  A great example is the Blue Business Plus Spend $500+ Get $25 offer.

Dell: Spend $599, Get $120 (Thru 7/31/21)

Applies to: Targeted Consumer Amex Cards

Valid through: 7/31/21

Offer: Get a one-time $120 statement credit by using your enrolled Card to spend a minimum of $599 in one or more transactions online at Dell.com by 7/31/2021.

Cheat Sheet:

  • Even though some Dell 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.
  • Dell allows splitting purchases across three credit cards. If you have multiple cards with Dell offers, you can use more than one in a single purchase.
  • While you can’t use this offer to buy Dell gift cards, Xbox gift cards purchased through Dell count as regular purchases and will trigger the offers.
    • Now that Xbox gift cards can be used to buy hardware from the Microsoft store,  there’s more potential value in those gift cards than ever before.
    • Use code XBOX10 when checking out to save 10% on Xbox gift cards!  You can only get 10% off of one card at a time, but you can place multiple orders and get 10% off of each.
    • Dell will often cancel orders for $100 gift cards.  Lower denomination gift cards are more likely to process successfully.

Dell: 10% back (Thru 12/15/21)

Applies To: Targeted Business Cards

Valid through: 12/15/21

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 12/15/2021. Limit of $1,500 in total statement credits.

More Info: 10% back on Dell up to $1500 back w/ new Amex Offer

Cheat Sheet:

  • Even though some Dell 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.
  • Dell allows splitting purchases across three credit cards. If you have multiple cards with Dell offers, you can use more than one in a single purchase.
  • While you can’t use this offer to buy Dell gift cards, Xbox gift cards purchased through Dell count as regular purchases and will trigger the offers.
    • Now that Xbox gift cards can be used to buy hardware from the Microsoft store,  there’s more potential value in those gift cards than ever before.
    • Use code XBOX10 when checking out to save 10% on Xbox gift cards!  You can only get 10% off of one card at a time, but you can place multiple orders and get 10% off of each.
    • Dell will often cancel orders for $100 gift cards.  Lower denomination gift cards are more likely to process successfully.

Dell $200 rebate: $100 Jan-June + $100 July-Dec

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.

Cheat Sheet:

  • Even though some Dell 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.
  • Dell allows splitting purchases across three credit cards. If you have multiple cards with Dell offers, you can use more than one in a single purchase.
  • While you can’t use this offer to buy Dell gift cards, Xbox gift cards purchased through Dell count as regular purchases and will trigger the offers.
    • Now that Xbox gift cards can be used to buy hardware from the Microsoft store,  there’s more potential value in those gift cards than ever before.
    • Use code XBOX10 when checking out to save 10% on Xbox gift cards!  You can only get 10% off of one card at a time, but you can place multiple orders and get 10% off of each.
    • Dell will often cancel orders for $100 gift cards.  Lower denomination gift cards are more likely to process successfully.

Hyatt: 10% Back, Up to $75 (Thru 12/31/21)

Applies to: Targeted cards

Valid through: December 31, 2021

Offer: Get 10% back as a statement credit by using your enrolled Business Card to make purchases on room rate and room charges, when you pay for your stay at Hyatt Hotels & Resorts from 7/1/2021 to 12/31/2021. Limit of $75 in total statement credits.

Cheat Sheet:

  • While the terms specifically exclude gift card purchases, buying a gift card at a Hyatt hotel’s front desk will work to trigger the offer.  Be aware that the difficulty is in finding a front desk that stocks the cards and an employee who knows how to sell them.

Lowes: 10% back, up to $50 or $100 back (Thru 7/31/21)

Applies to: Targeted business cards

Valid through: June 30, 2021 [extended] July 31, 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 $40 back (Thru 7/31)

Applies to: Any (Targeted)

Valid through: July 31, 2021

Offer: Get a one-time $40 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 5/24/2021 to 7/31/2021.

More Info: Marriott Amex Offer: Spend $200, Get $40 Back

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.

Shop Saks with Platinum Rebate: $50 Jan-Jun + $50 Jul-Dec

Applies to: All consumer Platinum cardholders

Valid: Every calendar year.  You must enroll first.

Offer: “Earn up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on your Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.

Cheat Sheet:

  • Enroll in ShopRunner for free with your Amex card in order to get free shipping at Saks (and assorted other stores).
  • When shopping at Saks online, always start by logging into ShopRunner in order to get free shipping.  Next, click through to Saks from a shopping portal to earn additional rewards.  Find the best portal options here.
  • Gift cards bought online will not trigger the offer.
  • Saks will let you return an item for gift card credit.  If returning by mail, they may reduce the value of the gift card by the cost to mail back the item.
  • Give to your favorite charity with no credit card fees.  Details here.

U.S. Restaurants: Monthly rebate (Thru 12/31/21)

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.  Gift cards bought through Fluz that qualify as dining purchases include Amazon Meal Kits, DoorDash, Groupon, GrubHub, Starbucks, Walmart Cafeteria, and many more.  You can find a full 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 (Thru 12/31/21)

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

BestBuy.com: Spend $50+, get $50 back. Twice. (Thru 6/30/21)

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.

Delta: Spend $200 & Get $40 Back (Thru 6/30/21)

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 (Thru 6/30/21)

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.
  • Scheduled Delivery purchases will not trigger the offer (see Ben’s comment)
  • Spend $100 or more in a single transaction to earn both $50 credits at once.

Home Chef: Spend $50 or more, get $50 back (Thru 6/30/21)

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:

PayPal $30/Month (Thru 6/30/21)

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 gift cards with a service like Fluz.  Details here.  Unfortunately, Fluz doesn’t allow Paypal payments for all of their gift cards, so you may have to hunt around to find the best options.  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 (Thru 6/30/21)

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.

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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