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The Ultimate Guide to Using Amex Offers — Save Money and Earn Bonus Points

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Katie Seemann
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Katie Seemann

Senior Content Contributor and News Editor

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Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, F...
Edited by: Kellie Jez
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Kellie Jez

Director of Operations & Compliance

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Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Here at Upgraded Points, we talk a lot about credit card introductory bonus offers as a way to earn lots of points very quickly. They can be great — but an often overlooked strategy is how to continue earning bonus points with the cards you already have.

Maximizing the value you get from your current credit cards is a valuable skill to have in your back pocket.

One of my very favorite ways to do this is with Amex Offers! Here, I’ll show you how to use their offers for maximum value to make the most out of your American Express credit cards.

What Are Amex Offers?

Amex Offers are deals that are linked to your American Express cards, which can save you money or let you earn extra points on shopping, dining, and travel.

These offers are always available, and new offers are added often. But offers are only available for a limited time — you will notice that each one has an expiration date.

Most Amex Offers will either give you a statement credit or bonus American Express Membership Rewards points after you meet the qualifications.

Each offer has different terms and conditions, and it’s important to read them thoroughly so you don’t lose out on any offers for silly reasons.

This is something I learned the hard way: I bought something in a store, only to discover afterward that the Amex Offer only worked online (oops!).

A few offers will require you to use a promo code in addition to clicking through to the specific website.

http://www.amexoffers.com/
Amex Offers are automatically available on most U.S.-issued American Express cards, including both personal and small business cards. Image Credit: American Express.

What Cards Come With Amex Offers?

Most U.S.-issued American Express credit cards will come with Amex Offers. The exceptions are American Express corporate cards, gift cards, or prepaid cards.

All other personal and business cards from American Express (plus registered American Express Serve Cards and Bluebird Cards) are eligible for Amex Offers. This includes some of the best points-earning cards out there:

Recommended Amex Cards (Personal)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Business owner? See our list of recommended American Express business cards.

Bottom Line: Most U.S-issued American Express credit cards (both personal and business) come with Amex Offers.

How to Use Amex Offers

Getting started with Amex Offers is simple.

  1. First, log in to your American Express account. You should be on the home page for your credit card account. Then scroll to the middle of the page underneath your recent transactions to the Amex Offers & Benefits section.

    Amex Offers and Benefits
    Image Credit: American Express.
  2. This is where you will see all of the available offers for that particular credit card. Click on the small arrow to the left of each offer to see details and terms and conditions. Click Add to Card to apply this offer to your credit card. You must do this BEFORE you use the offer!

    Amex Offers
    Image Credit: American Express.
  3. The list of offers defaults to only showing the first few. To see everything available, click on the View All button at the bottom of the list.

    Amex Offers 3
    Image Credit: American Express.
  4. To see all of the offers that are already linked to your card, click on Added to Card in the top menu.

    Amex Offers
    Image Credit: American Express.

Hot Tip: You must add each Amex Offer to your credit card BEFORE you redeem it. You can not make a purchase and then add the offer to your card afterward in hopes of getting a statement credit or bonus points.

Using Amex Offers on Multiple Cards

Each Amex credit card will have different Amex Offers attached to it, and these can vary between customers too.

For example, you and your friend could both have The Platinum Card® from American Express, but each card could have different Amex Offers.

Many of us hold more than 1 American Express card — so can you use the same offer on multiple cards? This is a no: if you have the same offer available on multiple cards, it can only be added to 1 of them.

Once it’s added, the offer will disappear instantly from the other cards. After you add an offer to a card, it can’t be undone, so be sure to add it to the card you actually want it on!

Theoretically, if you had each of your Amex cards under a different account with a separate login for each one, then you would be able to add the same offer to multiple cards. But that would be a lot of work just to occasionally get to use an offer more than once.

Terms and Conditions of Amex Offers

Each Amex Offer will come with its own set of terms and conditions; be sure to read them over so you know if your purchase will qualify.

Here are a couple of things to keep in mind:

  • Check to see if the offer is valid online vs. in-store. Many offers are only valid online or in-store, so don’t assume that it will work for both.
  • Check to see if there is a minimum spend required. Often the minimum spend can be spread out over multiple visits, but sometimes there is a minimum per transaction.
  • Check specific eligibility before purchasing. For example, if you are planning to buy gift cards, check to make sure they are eligible for the offer.

Bottom Line: Using Amex Offers is a simple way to earn bonus points or save money. From your online account, you can add an offer to a particular credit card, and then use that card to make the required purchase. You will receive a statement credit or bonus Membership Rewards points within 90 days.

After You Use an Amex Offer

If you qualify for an Amex Offer, you should receive an email as soon as you redeem the offer. Then you will see a statement credit or bonus American Express Membership Rewards points post to your account within 90 days. From my experience, the credit or bonus points usually show up much faster than that.

Amex Offers Email
You should receive an email from Amex as soon as you make a qualifying purchase. Image Credit: American Express.

How to Check Your Statement for a Statement Credit

There are 2 ways you can double-check your statement to confirm that you received the credit from your Amex Offer.

  1. First, log in to AmericanExpress.com. If you have more than 1 Amex card, select the credit card you would like to view by clicking on the credit card icon in the top right.

    Amex Offers - How To Check Statement
    Image Credit: American Express.
  2. Scroll to the middle of the page to the Recent Transactions section. Any statement credit from the current statement period will be visible here.

    Amex Offers - How To Check Statement
    Image Credit: American Express.

However, if the credit you are looking for is not on the current statement, you won’t be able to view it there.

  1. To view older statements, click on View All Recent Activity in the Recent Transactions section of your screen.

    Amex Offers - Recent Transactions
    Image Credit: American Express.
  2. Select the statement you would like to view using the Recent Activity drop-down box.

    Amex Offers - Recent Activity
    Amex Offers – Recent Transactions. Image Credit: American Express.
  3. You will be able to see any statement credits you have received. Click on the little icon with a + sign to see more information about the credit.

    Amex Offers
    Here you can see the 10% statement credit from a purchase at Lowe’s. Image Credit: American Express.

How to Check Your Statement for Bonus Points

Some Amex Offers reward you with bonus Membership Rewards points instead of a statement credit. Here’s how to make sure you receive the points you expect.

  1. From the home page for your chosen credit card, select Statements & Activity in the main menu bar.

    Amex Offers - How To Check Statement For Points
    Image Credit: American Express.
  2. Scroll to the bottom of the page and click on View: Summary in the Membership Rewards box.

    Amex Offers - How To Check Statement For Points
    Image Credit: American Express.
  3. You will be able to see any bonus points (plus all other points earned from ALL your American Express cards) here. If you still don’t see what you are looking for, you can change the dates of what you’re viewing at the top of the results box next to Time Period.

    Amex Offers - How To Check Statement For Points
    Here you can see the bonus points earned from this 2x points at West Elm offer. Image Credit: American Express.

Amex Offers on Mobile

You can also view and add Amex Offers to your credit card on your phone.

  1. Download the Amex Mobile app and log in using the same credentials you use on the American Express website. To quickly download the app, text MOBILEAPP to 86509.
  2. Click on Offers at the bottom of your screen

    Amex Offers Mobile
    Image Credit: the Amex Mobile app.
  3. At the top of the screen you will see the offers that are already loaded onto your card. Underneath that you will find Nearby Offers. This shows you the offers that are available at merchants close to you.

    Amex Offers Mobile
    Image Credit: the Amex Mobile app.
  4. The main section of the screen will list all of the available offers (these will be the same offers available through the website). Click on each one to see the details. Click the blue Add to Card button to link each offer to your credit card.

    Amex Offers Mobile
    Image Credit: the Amex Mobile app.

One of the coolest parts about Amex Offers on mobile is that you can see how much money you have saved over the lifetime of the card. After you log in and click Offers, you will see your total savings to date at the top of the screen.

To see each transaction that you’ve redeemed, click on Offers and then go to My Offers. This screen defaults to the offers that are currently added to your card.

If you click Redeemed, it will show you all of the Amex Offers you have redeemed and the total amount of money you have saved.

Amex Offers Mobile
Image Credit: the Amex Mobile app.

Amex Offers on Messenger

You can also access your Amex Offers through Messenger. Download the Messenger app on your phone, and then type “AmericanExpressUS” into the search bar to locate the Amex bot.

Select Get Started and log in to your American Express account. Once you are connected, just type “Amex Offers” in the Amex bot conversation box to view the latest offers available.

Making the Most of Amex Offers

Sometimes you get lucky and a great Amex Offer pops up just when you need it. Sometimes you need to get a little creative to squeeze out all of the value.

Discounted Gift Cards

Keep an eye out for offers at stores that sell gift cards! This is one of the best ways to get lots of value out of Amex Offers.

For example, you might see an offer for a store like Staples, where you can use the offer to purchase gift cards to other stores.

In the past we’ve seen a $20 statement credit with a $100 Staples purchase. That offer included gift cards, so you could get $100 worth of gift cards for $80.

Right now one of my cards is offering 10% back (up to $100) at Staples and Lowe’s. Physical gift cards qualify for these offers as well, so you could purchase up to $1,000 in gift cards at either of these stores and receive 10% off.

Double Up on Points for Non-Bonus Category Spending

One common offer is 2x points at certain stores. These tend to be stores that aren’t in typical bonus categories, so it’s a great time to get bonus points on these types of purchases.

Amex Offers 2x points
It’s great to earn bonus points on purchases that would otherwise only earn 1 point per dollar! Image Credit: American Express.

Combine With Other Rewards

Any Amex Offer you use on a purchase doesn’t affect any of the other rewards or coupons you can use. That means you can double up an Amex Offer with a store coupon, credit card bonus points, or cash-back you might earn from a shopping portal.

Final Thoughts

Amex Offers are one of my favorite perks on American Express cards. They are available on almost all Amex cards, and can be used for statement credits or bonus American Express Membership Rewards points.

The offers change often and are usually only available for a limited time, so be sure to check back frequently so you don’t miss anything!

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

What are Amex Offers and how do they work?

Amex Offers are deals linked to your American Express cards that can save you money or earn extra points on shopping, dining, and travel. After logging into your online account, you can view available offers and add them to your card. Amex offers must be added to your credit card before you make the required purchase.

How do I check for Amex Offers?

Log on to your American Express account and scroll to the middle of the page where you will see Amex Offers & Benefits. From here you can view the entire list of available offers. Click Add to Card to load each offer to your credit card.

You can also check for offers on the Amex Mobile App. After logging in, select Offers at the bottom of your screen. Click on an offer then click on the blue Add to Card button to add the offer to your card through the app.

How do I get Amex Offers?

You will get Amex Offers if you hold a U.S.-issued American Express credit card (excluding American Express corporate cards, gift cards, or prepaid cards). All personal and business Amex cards (plus registered American Express Serve Cards and Bluebird Cards) are eligible for Amex Offers. They will automatically be available through your online account or the Amex Mobile app.

Can I use an Amex Offer on multiple credit cards?

No, you can’t use the same Amex Offer on multiple cards. Once an offer is added to your credit card, it will immediately disappear from any other cards it was offered on. If you have cards that are under different accounts, then you should be able to add the same offer to each card. However, most of us will have all of our Amex cards under the same account.

Is there a limit to the number of Amex Offers I can add to my card?

No, you can add as many Amex Offers to each of your American Express cards as you want. There is no limit.

How long does it take to get my statement credit or bonus points?

Any statement credit or bonus Membership Rewards points you earn through an Amex Offer will appear on your statement within 90 days after making a qualified purchase. However, in reality most credits and bonus points will post much sooner than that.

Can I get Amex Offers through Facebook or Twitter?

No, Amex Offers through Facebook and Twitter are no longer available. However, you can still access Amex Offers through Messenger.

Katie Seemann's image

About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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