The ultimate guide to saving money with Amex Offers

The ultimate guide to saving money with Amex OffersThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editor's NoteThis is a recurring post, regularly updated with new information and offers.Getting the most out of every dollar you spend isn't just about redeeming your points and miles for the most value you can. It's also about getting as many rewards as you can from every purchase you make.That often involves looking beyond your credit card's earning categories to promotions, deals and shopping portals. Issuer offers are one way to get more out of your spending. American Express cardmembers can achieve this through Amex Offers.Here's everything you need to know.What are Amex Offers?American Express gives cardmembers the chance to earn additional points or cash back by activating offers within their account. These offers either have a specific spending requirement or allow you to earn additional rewards per dollar spent. They're almost always tied to specific merchants, but some offers may count any spending on your card toward the bonus rewards offered.All Amex Offers require enrollment, so you may miss out on big savings if you don't check your account often. Amex Offers generally vary by card, but there may be some overlap, especially if the cards in question are from the same family.AMERICAN EXPRESSIf you see the same offer across multiple cards, know that you can only enroll in it on one of them. Make sure to pick the card that makes the most sense for your spending.For example, my American Express® Gold Card has an offer for 10% back on a single purchase at Cracker Barrel (up to a total of $6 back). While this offer is also available on another Amex card, activating it on my Amex Gold instead will let me take advantage of the Gold's 4 points per dollar spent on dining at restaurants worldwide*.*On up to $50,000 in spending per calendar year, then 1 point per dollar spent.How to enroll and redeem Amex OffersNavigate to your account's home screen and scroll down. You should find a section titled "Amex Offers and Benefits". Here, you can find all of the offers you've enrolled in and the ones still available for enrollment.Reward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s expertsBy signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.AMERICAN EXPRESSOn the Amex mobile app, navigate to the Offers tab via the navigation bar at the bottom of your screen. Similar to the desktop page, you'll be able to see both your available offers and your enrolled offers.AMERICAN EXPRESSThere's no limit to how many Amex Offers you can enroll in at once, aside from the earlier restriction I mentioned regarding enrolling for the same Amex Offer across multiple cards. Keep in mind that all Amex Offers have expiration dates, so make sure to set a reminder for yourself if needed.Once you've enrolled in an offer, you should receive your bonus points or cash back within six to eight weeks after completing the associated spending requirements, but it may take longer depending on the offer. Generally, though, you'll get your bonus rewards a lot faster than that.If you don't see your bonus points or cash back posted after six to eight weeks and you're certain you met the offer requirements, call Amex at the number on the back of your card or contact them via online chat.Note that we've seen datapoints suggesting certain Amex Offers have limited payouts, meaning Amex will only honor a certain number of activated offers. It's advisable to use an offer sooner rather than later when it appears on your account, but this problem isn't too common.Related: I just saved $450 on a 2-night hotel stay by changing how I use this Amex Platinum benefitUse other shopping portals to maximize rewardsYou can stack Amex Offers with offers from external shopping portals like Rakuten and Rove.Rakuten is an especially appealing pick if you have an Amex Membership Rewards card, since you can opt to earn Membership Rewards points through Rakuten offers instead of cash back.RAKUTENI enjoy using Rove because of its extensive roster of transfer partners — over 20 at the time of writing — and its range of deals on shopping and travel purchases. Even though I earn Membership Rewards through Rakuten, there are times when I may pair an Amex Offer with a Rove offer instead if the bonus is significantly better.If you have a MaxRewards Gold account, you can link your American Express cards and enjoy auto-activation for all of your Amex Offers. Given that MaxRewards Gold starts at $108 annually, I don't recommend it for just this particular benefit.However, if you can take advantage of the subscription's other perks or you're already a member, this is a great way to avoid forgetting to enroll in an offer before making a purchase.Bottom lineAmex Offers are a great way to stack additional points or cash back on purchases you were already planning to make. Many of American Express's cards have annual fees in the hundreds, so earning extra rewards through Amex Offers is a great way to further justify paying a steep annual fee.Just remember to track the end dates and additional terms on every offer you enroll in. You don't want to miss out by making your purchase after the offer expires.Related: How I use Savewise to stack shopping portals, credit card offers and cash back for bigger rewardsFeatured image by TOM WERNER/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.TPG featured cardRewards rate4XEarn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.4XEarn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.5XEarn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. 3XEarn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.2XEarn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.1XEarn 1X Membership Rewards® point per dollar spent on all other eligible purchases.Intro offerAs High As 100,000 points. Find Out Your Offer.Regular APRSee Pay Over Time APRProsValuable dining and food-related creditsFlexible rewards with airline and hotel transfer partnersMultiple travel and purchase protectionsNo foreign transaction feesAccess to Amex Offers for additional savings (enrollment required)ConsNot as useful for those living outside the U.S.Some may have trouble using Uber and other dining creditsYou may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.No Foreign Transaction Fees.Annual Fee is $325.Terms Apply.