My Amex Offers Savings This Year: an Effortless $680


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  • Amex Offers** are a great way to save money on purchases you planned to make anyway.
  • All American Express cards come with Amex Offers — and the offers vary depending on which card you have.
  • I’ve saved several hundred dollars this year with little effort thanks to these offers.
  • Eligibility for these offers is limited. Enrollment is required in the Amex Offers section of your account before redeeming.
  • Read Insider’s guide to the best American Express cards.

Every American Express card has a superpower that has gone unmatched by every other card issuer: Amex Offers.

Amex Offers are targeted statement credits that help you save on purchases you’d make anyway. For example:

  • You may get a $50 statement credit when spending $150 at a specific hotel brand
  • You may get 2 bonus points per dollar when you make purchases from a specific merchant
  • You may get 10% back when you buy from a specific merchant

There are hundreds of varying Amex Offers at any given time — although individual offers are targeted to each cardholder and even specific cards. Once you add the offers to your card from your online American Express account, they’ll automatically activate when you meet the offer requirements.

I’m far from an Amex Offers power user, and even I can offset many credit card annual fees simply by adding a few offers here and there. This is what you can save with even casual use.

Amex Offers from 4 cards saved me almost $700

Amex Platinum Card

Regular APR

See Pay Over Time APR

Featured Reward

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during 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 $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®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $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.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.

    Read Our Review
    Read Our Review A looong arrow, pointing right

    I opened The Platinum Card® from American Express
    around the beginning of 2021. My next annual fee payment is right around the corner — and although the annual fee of $695 (See Rates) is hard for me to swallow, if I do the math, I find that the card will handily save me more than that next year.

    Here’s what I saved with the Amex Platinum in 2021, thanks to Amex Offers.

    Screenshot of savings from using Amex Offers

    I saved $260 last year with my Amex Platinum card.

    American Express


    This is actually pretty meager  — I let a lot of deals pass me by this year. I expect to save significantly more than that next year.

    But if I saved the same amount in 2022, my $695 annual fee would effectively be lowered to $435. Is this card worth that price tag for me?

    Here are the statement credits I’ll use for certain next year. These are different from Amex Offers (enrollment is required for some benefits):

    That’s over $750 in legitimate savings — I’ll be $300+ ahead of my annual fee by using these benefits. This leaves me to enjoy the many other card benefits, like up to $100 in Saks Fifth Avenue credits** each calendar year, and unmatched airport lounge membership (including Amex Centurion Lounge access), without that large annual fee nagging at me.

    Read our Amex Platinum review here.

    Read more: Is the Amex Platinum annual fee worth it?

    Marriott Bonvoy Business Card

    Regular APR

    15.74% – 24.74%

    Credit Score

    Good to Excellent

    Featured Reward

    Earn 75,000 bonus points after using your card to make $3,000 in eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card in the first 3 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Comes with a free night reward every year after your account anniversary
    • Earns 4x points on several bonus spending categories, including U.S. purchases for shipping and U.S. restaurants
    Cons
    • The complimentary Silver elite status isn’t very valuable
    • Not the best option for earning rewards on non-bonus category purchases
    • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership.
    • 6x points at hotels participating in the Marriott Bonvoy™ program.
    • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at hotels participating in the Marriott Bonvoy™ program. Certain hotels have resort fees.
    • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
    • Terms apply.

    Read Our Review
    Read Our Review A looong arrow, pointing right

    The Marriott Bonvoy Business™ American Express® Card comes with an annual fee of $125 (See Rates) — but it has saved me $160 this year alone.

    With all the great shopping and travel deals going on at the moment, I expect to save a lot more by the end of the year. This card tends to have the most lucrative Amex Offers of all my cards — and I find it’s worth paying the annual fee for that reason alone.

    Screenshot of savings from using Amex Offers

    The Marriott Bonvoy Business card unlocked $160 in savings.

    American Express


    The card also comes with benefits like:

    Insider estimates Marriott points value to be 0.7 cents each. That means these free night awards are worth an average of $245. You can read our Marriott Bonvoy Business review to see if the card fits your lifestyle. It’s a small-business credit card so you must have a for-profit venture to qualify. But that can include things like Uber driving, DoorDash delivery, babysitting, etc.

    Read more: Is the Marriott Bonvoy Business Card worth the annual fee?

    Marriott Bonvoy Card (not available to new applicants)

    The Amex Marriott Bonvoy card is a legacy credit card that was issued to cardholders of the old Starwood Preferred Guest American Express card. It comes with a $95 annual fee — but Amex Offers have provided me with more than double that value.

    Screenshot of savings from using Amex Offers

    My legacy Amex Marriott card came through with almost $200 in savings.

    American Express


    Apart from Amex Offers, I really only keep the card for one reason: It comes with a free night award worth up to 35,000 points after each cardmember anniversary. Again, this free night is worth $245, per Insider’s estimations. Easily worth the annual fee by itself.

    Read more: Best Marriott Bonvoy credit cards

    Amex Delta Gold Card

    Annual Fee

    $0 intro for the first year, then $99

    Regular APR

    15.74% – 24.74% variable

    Featured Reward

    40,000 bonus miles after spending $1,000 in purchases on your new card in the first 3 months from account opening

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  • Pros & Cons
  • Details

  • Pros
    • Earns bonus miles at restaurants and US supermarkets
    • Intro annual fee is $0 for the first year (then $99)
    • You get a free checked bag and Main Cabin 1 Priority Boarding on Delta flights
    Cons
    • Doesn’t go above and beyond in terms of benefits beyond Delta perks
    • Earn 40,000 Bonus Miles after you spend $1,000 in purchases on your new Card in your first 3 months.
    • Plus, earn up to $50 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
    • Earn 1X Mile on all other eligible purchases.
    • $100 Delta Flight Credit: After you spend $10,000 in purchases on your card in a calendar year, receive a Credit to use toward future travel.
    • Enjoy a $0 introductory Annual Fee for the first year, then $99.
    • Terms Apply.

    Read Our Review
    Read Our Review A looong arrow, pointing right

    I fly Delta once or twice per year. I keep the Delta SkyMiles® Gold American Express Card with me because it offers my first checked bag free. That can save my wife and me $120 per round-trip — offsetting the card’s annual fee of $0 intro for the first year, then $99 (See Rates).

    I don’t often see Amex Offers that serve my lifestyle with this card. Still, $60 in savings this year isn’t too bad.

    Screenshot of savings from using Amex Offers

    The Delta SkyMiles Amex saved me $60 in Amex Offers.

    American Express


    This card also comes with:

    Read our Gold Delta SkyMiles Amex card review for more info about the card.

    Read more: Best Delta credit cards

    Bottom line

    Other banks have tried to emulate Amex Offers; Chase publishes Chase Offers; Citi issues Citi Merchant Offers; Capital one publishes Capital One Offers. None have the high-octane savings of Amex Offers.

    Read more: Credit card-linked offers provide discounts and bonus points on shopping

    I’ve saved a significant amount of money this year without effort. If I achieved this kind of savings without religiously checking offers every week, imagine the savings if I put in a little more elbow grease!

    If you want to save a lot on Amex Offers, bookmark Insider’s Amex Offers page. Insider keeps the best offers up to date so you don’t have to rifle through your online account continually. I’ve done just that, and I expect to save loads next year.

    Featured credit cards from our partners

    Featured Reward

    60,000 points

    Credit Needed

    Good to Excellent

    Featured Reward

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Credit Needed

    Good to Excellent

    Featured Reward

    $200 after spending $500 on purchases in the first three months from account opening

    Credit Needed

    Good to Excellent



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