How to Use Amex Offers (And Save Big Money)

Want to save money on purchases you may already be making? Use the free Amex Offers program to add offers and get potential discounts today.
Last updated Jun 19, 2021 | By Ben Walker
Man browsing Amex Offers in coffee shop

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

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.

In this article

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 Amex Platinum 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, as well as airport lounge access with both Priority Pass and Amex Centurion Lounges. In addition, you also get automatic elite status with the Marriott Bonvoy and Hilton Honors hotel loyalty programs. Select benefits require enrollment.

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

Best Luxury Travel Benefits

Benefits

  • Earn 75,000 Membership Rewards points after spending $5,000 in the first 6 months
  • 10X points on purchases at U.S. gas stations and supermarkets
  • 5X points on eligible flights and hotels
  • $15 in free U.S. Uber rides each month ($20 in December)
  • Access to Centurion and Priority Pass airport lounges
  • Select benefits require enrollment.
  • $550 annual fee. Terms apply.
  • See rates and fees

American Express® Gold Card

The Amex Gold is a quality travel rewards card focusing big on dining and restaurants. Cardmembers can receive up to $120 in annual Uber Cash for Uber rides or Uber Eats orders, as well as up to $120 in dining credits with participating partners like Grubhub, The Cheesecake Factory, and certain Shake Shack locations. Select benefits require enrollment.

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

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

Big Rewards for Dining Out

Benefits

  • Earn 60,000 Membership Rewards points after you spend $4,000 in the first 6 months
  • Rose gold is back! Choose your color.
  • $120 in dining credits
  • $120 in Uber Cash
  • Select benefits require enrollment.
  • No foreign transaction fee
  • $250 annual fee. Terms apply.
  • See rates and fees

Blue Cash Preferred® Card from American Express

If you want one of the best cashback credit cards for your everyday purchases, consider the Amex Blue Cash Preferred. This card offers 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other 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.

#1 Cash Back at Supermarkets

Benefits

  • Earn $150 cash back after spending $3,000 in the first 6 months
  • Earn 20% back on Amazon.com purchases in the first 6 months, for up to $200 back
  • 6% cash back on U.S. streaming services and at U.S. supermarkets
  • 3% cash back at U.S. gas stations and on eligible transit
  • $95 annual fee. Terms apply.
  • See rates and fees

Blue Cash Everyday® Card from American Express

The Amex Blue Cash Everyday is also another excellent option for daily purchases, similar to the Blue Cash Preferred. It earns 20% cash back at Amazon.com during the first six months (up to $150), 3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases. 

The big kicker, though, is this card has a $0 (See rates and fees) 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 Blue Cash Everyday Card review.

A Simple Cashback Card for Day-to-Day

Benefits

  • Earn $100 cash back after spending $2,000 in the first 6 months
  • Earn 20% back on Amazon.com purchases in the first 6 months, for up to $150 back
  • 3% cash back at U.S. supermarkets
  • No annual fee. Terms apply.
  • See rates and fees

The Business Platinum Card® from American Express

The Amex Business Platinum is the business equivalent of the Amex Platinum, which is a personal card. This is one of the best small 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.

Premium Business Rewards

Benefits

  • Earn 100,000 points after spending $15,000 in the first 3 months
  • 5X points on qualifying flight and hotel purchases
  • 1.5X points on eligible purchases of $5,000 or more
  • Up to $200 statement credit per year for airline incidental fees
  • $595 annual fee. Terms apply.
  • See rates and fees

The Blue Business® Plus Credit Card from American Express

The Amex Blue Business Plus 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 business purchases up to $50,000 each year, and 1X points on 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 Blue Business Plus Credit Card review.

Simplified Earnings for Small Business Owners


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

How can you view Amex Offers?

Offers available through the Amex Offers can be viewed in your online American Express account. Your online account can be accessed through a web browser or the American Express mobile app. Once you’re in your account, select one of your Amex cards and then look for an offers section to see which offers are currently available. Offer eligibility can vary from card to card.

Does everyone receive the same Amex Offers?

Every American Express cardholder receives similar types of offers through the Amex Offers program. But you may not receive the same offers as other card members, as it can depend on which Amex cards you have. However, it’s also possible to receive the same offer as someone else.

What types of offers does Amex include?

The Amex Offers program includes a variety of offers. Some allow you to earn extra points or cash back, whereas others offer statement credits for eligible purchases. The different types of retailers and brands could include department stores, electronics stores, hotel chains, and more.

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 for Dining Out

Benefits

  • Earn 60,000 Membership Rewards points after you spend $4,000 in the first 6 months
  • Rose gold is back! Choose your color.
  • $120 in dining credits
  • $120 in Uber Cash
  • Select benefits require enrollment.
  • No foreign transaction fee
  • $250 annual fee. Terms apply.
  • See rates and fees

Author Details

Ben Walker Ben Walker is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially-sound decisions. For nearly a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben has been featured in The Washington Post, MSN, Debt.com, and Finder.com.