Awesome Amex Offers and how to get them

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Amex Offers

Amex has been killing it lately with fantastic Amex Offers.  Here are a few recent examples:

To see a full list of current offers, click here: Current Amex Offers.

How to get targeted

Every time we publish details about a great Amex Offer, people ask why they weren’t targeted.  Or, they ask, “How can I get targeted in the future?

We don’t know the secret sauce Amex uses to target people or cards, but there are several things you can do to greatly increase your chances.

1. Get every type of Amex card

Amex treats consumer cards and small business cards very differently. They also treat cards that earn Membership Rewards points differently from those that earn other types of rewards.  Often, offers are available for one type, but not another.

Frequently, offers are targeted only to Amex business cards.  And some of these are targeted only to business Membership Rewards cards.  Conversely, many offers are available only to consumer cards, and sometimes only to consumer Membership Rewards cards.

One way to increase your odds of getting targeted Amex Offers, is to make sure you have at least one of each type of card (consumer vs. business; and Membership Rewards vs other rewards).  Here are my favorite fee-free Amex cards within each category:

Consumer Membership Rewards cards

The Amex EveryDay® Credit Card from American Express

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.


Annual Fee: $0

Card Type: Amex Credit Card

Base
Grocery

Earning rate: ⚬ 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x) ⚬ 1x on other purchases

Noteworthy perks: ⚬ Make 20 or more purchases in a billing period and get 20% more points, less returns and credits ⚬ Points transferrable to many airline programs (unusual feature for no-fee card) ⚬ Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99% ⚬ $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening. Terms apply. See Rates & Fees

Consumer Non-Membership-Rewards cards

Blue Cash Everyday® Card from American Express

Annual Fee: $0

Card Type: Amex Credit Card

Base
1%
Gas
2%
Grocery
3%
Shop
2%

Earning rate: ⚬ 3% cash back at US supermarkets up to $6,000 per year in purchases (then 1%) ⚬ 2% cash back at US gas stations and select US department stores ⚬ 1% cash back on other purchases ⚬ Terms apply.

Noteworthy perks: Terms Apply. (Rates & Fees)

Hilton Honors American Express Card

FM Mini Review: This card isn't particularly rewarding, but it's good to keep primarily for targeted Amex upgrade offers to the Ascend card.


Annual Fee: $0

Card Type: Amex Credit Card

Base
Dine
Gas
Grocery
Brand

Earning rate: ⚬ 7X Hilton spend ⚬ 5X US restaurants, US Supermarkets, and US gas stations ⚬ 3X on all other eligible purchases

Big spend bonus: Gold elite status with $20K calendar year spend

Noteworthy perks: ⚬ Free Silver status; Gold status with $20K spend. ⚬ Terms Apply. (Rates & Fees)

See also: Hilton Amex Cards. Everything you need to know.

Business Membership Rewards cards

The Blue Business℠ Plus Credit Card

FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner.


Annual Fee: $0

Card Type: Amex Credit Card

Base

Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

Business Non-Membership-Rewards cards

American Express Blue Business Cash™ Card

Annual Fee: $0

Card Type: Amex Credit Card

Base
2%

Earning rate: 2% cash back on all purchases, up to $50K spend per calendar year (then 1% thereafter). Terms apply.

Amazon Business American Express Card

FM Mini Review: For Amazon Prime members, this is a great card for Amazon, AWS, and Whole Foods purchases. Note though that Chase and Synchrony offer similar consumer cards.


Annual Fee: $0

Card Type: Amex Credit Card

Base
1%
Dine
2%
Gas
2%
Grocery
5%
Shop
5%
Phone
2%
Brand
5%
Other
2%

Earning rate: Prime Members: 5% in Amazon rewards on US purchases at Amazon Business, AWS, Amazon.com, Whole Foods. 2% Back in Amazon rewards at US restaurants, US gas stations, and on US wireless telephone services

Above, I listed only Amex cards with no annual fees, but there are many excellent cards with fees too.  See our Best Offers page for details.  Note too that Amex limits cardholders to 4 primary credit card accounts.  Charge cards (such as Amex Platinum cards, Amex Gold Card, Amex Green Card, etc.) are not similarly restricted, but they all have annual fees.

2. Get additional (free) Amex cards

You don’t have to sign up for new Amex accounts in order to get additional Amex cards.  With Amex, every authorized user card has its own card number and is independently eligible for Amex Offers.  With most Amex card accounts you can add authorized user cards for free.  Even Platinum cardholders can request up to 99 authorized user Gold Cards for no additional fee.

Within a family, each Amex accountholder can easily add other family members as authorized users.  In fact, sometimes Amex will offer bonus points for doing so.

3. Enroll quickly

The best Amex Offers have limited enrollment.  If you don’t add the offers to your account in time, you may lose out.  Keep an eye out for our posts about the latest Amex Offers.  If a new one seems exciting, then load it to your account ASAP!

Summary

Amex Offers can be amazingly lucrative.  To maximize your chances of getting in on all of the best offers, you could:

  1. Get every type of Amex card
  2. Get extra Amex cards (via authorized user and employee cards)
  3. Enroll quickly
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