Maximizing Value with Amex Offers: A Comprehensive Guide

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  • American Express cards come with targeted bonus rewards through a program called Amex Offers.

  • To earn cash back or bonus points, add the offer to your card and make a qualifying purchase.

  • Enrollment is required in the Amex Offers section of your account before redeeming.

Introduction to Amex Offers

Saving money or earning bonus points, miles, or cash back by using one of the best credit cards always feels good, and it's even more satisfying when it's on a purchase you'd have to make anyway.

One of those benefits, available with virtually every American Express card but not the most widely known, is Amex Offers. In the past few years, I've used offers to save money on purchases at Hilton hotels, Instacart, and Boxed. And I've earned bonus points or cash back numerous times with Amazon Amex Offers, which come around every so often.

Here's everything you need to know about using Amex Offers to save money and earn bonus rewards.

What Are Amex Offers?

The Amex Offers program provides cardholders with discounts at various stores, restaurants, and services, or, if not a discount, then chances to earn extra points.

The interesting part of the program is that each offer is specifically targeted to individual cardholders and specific cards. That means that you and I might get different offers, and you might even see different offers across several different Amex cards. That adds a real benefit to having multiple Amex cards — even if you just use them to be eligible for more offers, you have a better chance of getting good ones.

Benefits of Using Amex Offers

One of the appeals of the Amex Offers program is that the offers continuously change. Offers can be for national brands, but are also targeted based on your billing address — for example, Amex often includes Shop Small offers at small businesses close to your location.

You might also find seasonal offers popping up occasionally. For example, close to Mother's Day, there are often Amex Offers to save on flowers and gifts. And around Black Friday and the holidays, it's not unusual to see more offers geared toward online shopping and entertaining.

Finding and Adding Amex Offers

How to Locate Offers on Your Account

  1. Log in to your online Amex account.

  2. You'll see icons in the top right for each of the cards you hold — click which one you want to find offers for.

  3. Once you're viewing the correct card, scroll down on the main account page. Keep scrolling and click "View All" to see all available offers on that card.

  4. When you find one you want to use, click "Add to Card." If you want to confirm that it's been activated, click the "Added to Card" tab.

  5. Repeat for each card you have.

Types of Amex Offers

Discounts at Retailers and Restaurants

The Platinum Card® from American Express offers valuable perks like airport lounge access and statement credits for things like digital subscriptions**, CLEAR® Plus**, Equinox**, Walmart+ membership**, and prepaid hotels through Amex Fine Hotels and Resorts and The Hotel Collection**.

Eligibility and Limitations

All personal and small-business American Express cards issued in the US are eligible for Amex Offers, including third-party issued cards (such as American Express-branded cards issued by other banks). Registered Serve and Bluebird cards qualify as well. However, American Express corporate cards, gift cards, and prepaid cards are not eligible.

Offer Expiration and Terms

By default, Amex will show you up to 100 available Amex Offers per card. But when you add offers to your card, new ones will often (not always) appear up to a maximum of 100 showing per account. New Amex Offers are added to accounts nearly all the time, but there's no schedule or regular frequency.


How do I find Amex Offers for my account?

Log into your American Express account online or through the Amex app, and navigate to the "Amex Offers" section to browse available offers.

Are Amex Offers available to all cardholders?

Most American Express cardholders have access to Amex Offers, but available offers can vary based on card type and usage.

Can I use an Amex Offer more than once?

It depends on the specific offer's terms. Some offers may be used multiple times, while others are one-time use only.

Do Amex Offers expire?

Yes, each offer has an expiration date. It's important to note the expiry and use the offer before it expires.

How can I ensure I receive the benefit of an Amex Offer?

Make sure to "Add to Card" for any offer you're interested in and meet the spending requirements as outlined in the offer's terms.

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