How to Use Amex Offers (And Save Big Money)

American Express cardholders can get exclusive access to savings on a wide variety of purchases through the Amex Offers program. Even better, the program is easy to use and is available on both Amex personal and business cards.

If you want to save money on purchases you may already be making, consider implementing Amex Offers into your everyday finances. In this guide, you’ll learn how the Amex Offers program works and which Amex cards offer this added benefit. This will help you understand how Amex Offers can provide you with multiple savings opportunities regularly.

What is Amex Offers?

Amex Offers is a free discount program that’s available to most American Express card members. If you compare credit cards, you might see similar programs from other credit card issuers, like Chase Offers from Chase.

American Express constantly adds new offers to Amex Offers, which you can check through your Amex online account or through the American Express mobile app. You have to manually add offers into your account to use them, but it doesn’t take more than a few seconds. Then you use your card at the applicable retailer to redeem the offer.

Enrollment in Amex Offers is automatic when you become an Amex cardholder, but it’s up to you to check for offers, add them, and redeem them. If you want to receive email reminders about available Amex Offers, be sure to select the “Membership” option in your marketing email preferences in your online account:

What types of offers are available through Amex Offers?

The Amex Offers program typically provides offers from loads of different retailers. This could include electronics stores, apparel brands, hotel chains, and more. For a full list of available offers, log into your online account from the American Express website or the American Express mobile app.

You’ll typically be able to see how many offers are available and which ones have been added to your card.

Keep in mind that different cards might have their own unique sets of offers. However, some offers may be the same between multiple cards. This allows you to have access to more offers, as well as use the same type of offer on multiple cards if it’s one you like.

Here you can see one American Express card has certain offers:

But here another American Express card has the same offers:

If you find an offer you want to use, be sure to select the “Add to Card” option to add your offer. In addition, carefully read the details of the offer and terms to understand how you can use the offer and receive your statement credits. Here’s an example of an offer for MGM Resorts:

This offer states you have to spend at least $250 on your linked card on room rate and room charges at eligible MGM Resorts to receive $50 back in statement credits. The offer terms include which MGM Resorts locations are eligible, such as the New York-New York, Luxor, and Excalibur.

In addition, the reservation has to be made directly through MGM Resorts and not a third-party service. You should also note the expiration date of any offer so you know when you have to use it. Although this particular offer essentially gives you a rebate in the form of a statement credit, other offers might allow you to earn bonus points or cash back when you make a purchase with a qualifying retailer.

6 cards that give you access to Amex Offers

Amex Offers is available on most American Express cards, including personal cards, business cards, and even American Express Serve or Bluebird cards. To find out which Amex cards could make sense for you, check out our list of the top American Express credit cards.

Here are many of the best Amex cards that give you access to Amex Offers:

The Platinum Card^® from American Express

The Platinum Card^® from American Express is considered one of the best travel credit cards available because of its many premium travel perks and benefits. This includes up to $200 in annual Uber Cash, which can be used for Uber rides or Uber Eats orders (starting 11/8/2024, you must use an Amex card as the payment method to redeem your Amex Uber Cash benefit), as well as airport lounge access with both Priority Pass and Amex Centurion Lounges. In addition, you can enroll in Gold Elite status with Marriott Bonvoy and Gold status with Hilton Honors. Select benefits require enrollment.

Learn more about this card in our American Express Platinum review.

American Express^® Gold Card

The American Express^® Gold Card is a quality travel rewards card focusing big on dining and restaurants. Cardmembers can receive up to $120 in annual Uber Cash ($10 per month) for U.S. Uber rides or Uber Eats orders when you add your Gold card to the Uber app, up to $120 in dining credits with participating partners like Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys, up to $84 in annual Dunkin' credits for purchases at Dunkin' locations, as well as up to $100 in annual Resy credits for dining at U.S. Resy restaurants or making other eligible Resy purchases. Select benefits require enrollment.

In addition, you can also earn 4X Membership Rewards points at restaurants worldwide (up to $50,000 per year, after that 1X), 4X at U.S. supermarkets (up to $25,000 per year, after that 1X), 3X on flights booked directly with airlines or on AmexTravel.com, 2X on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X on all other eligible purchases. 

Learn more about this card in our American Express Gold Card review.

Blue Cash Preferred^® Card from American Express

If you want one of the best cash back credit cards for your everyday purchases, consider the Blue Cash Preferred^® Card from American Express. This card offers 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1%) and on select U.S. streaming services, 3% cash back at U.S. gas stations and on eligible transit, and 1% cash back on other eligible purchases. You also get car rental loss and damage insurance as an added benefit if you need it for a car rental.

Learn more about this card in our American Express Blue Cash Preferred review.

Blue Cash Everyday^® Card from American Express

The Blue Cash Everyday^® Card from American Express is also another excellent option for daily purchases, similar to the Blue Cash Preferred. It earns 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases. 

The big kicker, though, is this card has a $0 annual fee. So every cent of cash back you earn is a bonus because you have no annual cost to offset.

Learn more about this card in our American Express Blue Cash Everyday review.

The Business Platinum Card^® from American Express

The Business Platinum Card^® from American Express is the business equivalent of the Amex Platinum, which is a personal card. This is one of the best business credit cards, especially if you travel frequently and want premium perks. One perk includes getting 35% of your rewards back when you use your points on eligible award flights. In addition, you also get Priority Pass and Amex Centurion Lounge access, as well as TSA PreCheck or Global Entry fee reimbursement. Select benefits require enrollment.

Learn more about this card in our American Express Business Platinum review.

The Blue Business^® Plus Credit Card from American Express

The Blue Business^® Plus Credit Card from American Express can be a useful asset for many small business owners, especially if you have a variety of business purchases that don’t always fit a specific spending category.

This credit card offers 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that. This makes it easy to rack up valuable Amex Membership Rewards points from everyday business expenses. Membership Rewards can be redeemed for award flights, hotel stays, car rentals, cruises, gift cards, and more.

Learn more about this card in our American express Blue Business Plus review.

How to redeem Amex Offers

Amex Offers have to be added to a card through your American Express online account, either through a web browser or the American Express mobile app. Then you have to use the card with the added offer to make an eligible purchase at an applicable retailer. For example, if you add a Best Buy offer to one of your Amex cards, you would typically have to make a purchase at Best Buy to redeem the offer.

Here’s how to add offers using the Amex Offers program through a web browser:

1. Navigate to AmericanExpress.com and log into your account.
2. If you have multiple Amex cards, select one to look at its available offers.



3. Scroll down until you see the “Amex Offers & Benefits” section where your offers are displayed.



4. If you want to see all your available offers, click on the “View All” button at the bottom of your list of offers.
5. If you find an offer you want to use, click on the “Add to Card” button to the right of the offer.



6. To redeem an offer, use your enrolled card to make an eligible purchase at an applicable retailer. For the example above, you would need to pay for Grubhub or Seamless purchases using your enrolled card if you want to earn bonus Membership Rewards points.

Here’s how to add offers using the Amex Offers program through the American Express mobile app:

1. Download the American Express mobile app and use it to log into your online account.
2. Select a card to view its available offers.



3. Tap on the “Offers” button at the bottom of the screen.



4. Search through the available offers.
5. Tap on the plus button to add an offer.



6. To redeem an offer, use your enrolled card to make a qualifying purchase at an applicable retailer. For this offer example, you would need to make at least a $50 purchase at 1-800-Flowers.com to receive a one-time statement credit of $10.

FAQs

The bottom line

Many American Express credit cards already have loads of helpful perks and benefits. But when you also get free access to exclusive offers through the Amex Offers program, it makes being an Amex cardholder that much more beneficial. Given how easy it is to add and redeem these offers, consider using them as often as you can for both online shopping and in-store purchases. Otherwise, it’s like you’re leaving free money on the table unless the offers don’t align with your spending habits.

Every bit of money saved counts when you’re on a budget. Fortunately, the Amex Offers program can seamlessly integrate with many money-saving strategies. For other smart money moves you can make, check out these tips on how to save money.

Big Rewards at Restaurants

American Express^® Gold Card

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American Express^® Gold Card

Learn How to Apply

See rates and fees | Terms Apply

Current Offer

Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership

Annual Fee

$325

Rewards Rate

4X Membership Rewards points at restaurants worldwide (up to $50,000 per year, after that 1X), 4X at U.S. supermarkets (up to $25,000 per year, after that 1X), 3X on flights booked directly with airlines or on AmexTravel.com, 2X on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X on all other eligible purchases

Benefits and Drawbacks

Benefits

• Robust rewards for dining out and U.S. supermarket purchases
• Offers great travel rewards and benefits

Drawbacks

• High annual fee that isn’t worth it for everyone
• Doesn’t include any airport lounge access

Card Details

• Earn 60,000 Membership Rewards points after you spend $6,000 on eligible purchases within the first 6 months of card membership
• 4X Membership Rewards points at restaurants worldwide (up to $50,000 per year, after that 1X), 4X at U.S. supermarkets (up to $25,000 per year, after that 1X), 3X on flights booked directly with airlines or on AmexTravel.com, 2X on prepaid hotels and other eligible purchases booked on AmexTravel.com, and 1X on all other eligible purchases
• Terms apply