I’ve Saved Nearly $700 This Year From This One Amex Card Perk

I’ve carried at least 1 American Express card in my wallet for almost a decade, and I don’t expect that to change anytime soon. With a wide range of credit cards from the Amex Membership Rewards program and partnerships with brands like Hilton and Delta, earning rewards has never been easier.

However, there is one perk in particular that has caught my attention over the past year. While it hasn’t necessarily helped me earn more points, it has saved me an unexpected amount of money, only enhancing the value I get from my credit cards.

How To Save Money With Amex Offers

Almost every bank offers their cardholders the opportunity to save money at participating retailers. In the case of American Express, the Amex Offers program is exclusively available to those who hold the issuer’s cards.

You can view your updated roster of deals (about 100 per card!) on the American Express app (iOS, Android) or website when logged into your account. Think of Amex Offers as the modern-day coupon, as they’re all available digitally. If you see an Amex Offer that sparks your interest, simply hit Add to Card and pay with that card to see your savings applied.

Upon meeting the terms of the specific offer — and read the fine print to make sure your purchase qualifies — you should receive a statement credit of that amount posted to your account. Although American Express says it can take “up to 90 days after the end of the offer period” to receive the statement credit, I’ve never had to wait longer than a few business days.

There are, in fact, a few Amex Offers that offer bonus points and miles in lieu of cash-back savings. For instance, you could earn 1 additional Membership Rewards point per $1 spent at Dell.com, with a maximum of 25,000 points, if the purchase is made by the end of 2024. If I activated this offer on The Platinum Card^® from American Express, I would earn 2 Membership Rewards points at Dell.com (up to 25,000 points) since the card normally earns 1 point per dollar on non-bonus purchases.

However, the vast majority of Amex Offers yield cash-back savings in the form of a statement credit. Since most American Express cards charge an annual fee, leveraging Amex Offers is just one of the many ways to earn long-term value in your wallet.

There isn’t any harm in adding multiple Amex Offers to your card, even if you probably won’t get around to using them. In fact, enrolling in more Amex Offers can help you unlock even more promotions. That said, you can only add 1 Amex Offer from a retailer even if you’ve got multiple Amex cards, so choose wisely to maximize your points-earning potential.

Best Amex Offers I’ve Used

It wasn’t until recently that I took a closer look at the Amex Offers that were in rotation. In fact, Amex has increased annual fees on several cards in my wallet over the past year, including the American Express^® Gold Card ($325 annual fee – rates & fees) and the Hilton Honors American Express Aspire Card* ($550 annual fee).

*All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

If I’m going to be paying hundreds of dollars in annual fees, maximizing any opportunity to save money is paramount. This is one of the key decision making factors as I contemplate keeping (or canceling) these very cards in my wallet.

By visiting the Savings tab, you can see the list of Amex Offers that you have successfully used. If you have multiple Amex cards, like I do, you need to click on each individual card to see the amount saved.

I have The Business Platinum Card^® from American Express, the Delta SkyMiles^® Platinum Business American Express Card, the Amex Platinum card, the Amex Gold card, and the Hilton Aspire card in my wallet. Here’s how much I’ve been able to save over the past year:

• Get $40 back when spending $180 or more on Delta Air Lines flights through the Amex Travel portal.
• Get $5 back when spending $15 or more with Uber (up to 5 times for a maximum savings of $25).
• Get $40 back when spending $200 or more on Frontier Airlines flights.
• Get $100 back when spending $300 or more on select Marriott hotels.
• Get $15 back when spending $50 or more at Nuuly.com.
• Get $2 back when spending $2 or more at MTA Tap to Pay (up to 5 times for a maximum savings of $10).
• Get $20 back when spending $100 or more at Lululemon.
• Get $79.99 back when spending $79.99 or more at AirMail.
• Get $30 back when spending $200 or more at TickPick.
• Get $5 back when spending $15 or more at Jersey Mike’s (up to 2 times for a maximum savings of $10).
• Get $5 back when spending $15 or more at Just Salad (up to 2 times for a maximum savings of $10).
• Get $60 back when spending $300 or more at Hilton.
• Get $150 back when spending $600 or more at Delta.
• Get $30 back when spending $150 or more at Turo.
• Get $20 back when spending $20 or more at Pimsleur (up to 2 times for a maximum savings of $40).

Over half of these Amex Offers have appeared on my trusty Amex Platinum card, which offers thousands of dollars in value from the generous welcome bonus offer to benefits and perks.

BEST LOUNGE ACCESS

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The Platinum Card^® from American Express

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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.

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The Platinum Card^® from American Express

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

Welcome Offer

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

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

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Credit Recommended

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)

Why We Like This Card

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 & Cons

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)

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Card Highlights

• 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.
• 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 through American Express Travel using 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: Platinum Card^® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card^® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 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 $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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Final Thoughts

I love Amex Offers, and I’ve saved nearly $700 over the past year by being more mindful about enrolling in them. Over time, Amex Offers can sneakily help you save money, especially if they align with purchases you were already going to make.

I would even go as far to argue that Amex Offers give Chase Offers, Capital One Offers, or Citi Merchant Offers, a run for their money. American Express always provides the best retailers and huge opportunities to save, particularly when it comes to travel.