If you have an American Express card, there may be an easy way to save on purchases you’re already planning to make: Amex Offers.
Think of them as digital coupons attached directly to your card. An offer might give you a statement credit after spending a certain amount with a retailer, or award additional points instead.
Here are five ways to get more from them:
• Check every Amex card you have.
Offers can differ from one card to another, even when the cards are held by the same person. Check both the Amex website and mobile app regularly.
• Add the offer before you buy.
You need to add an offer to the card before making the eligible purchase. Offers also have expiration dates, and some can disappear after enough cardholders add them.
• Look beyond cash back.
Some offers provide statement credits, while others award bonus points or miles. An offer could also provide a percentage back on an eligible purchase.
• Use offers for spending you already planned.
The biggest opportunity is avoiding unnecessary purchases just to trigger a discount. Instead, look for offers that match upcoming travel, dining, shopping or other expenses.
• Stack savings when possible.
For online purchases, the source suggests combining an Amex Offer with a shopping portal such as Rakuten. Larger planned expenses may also offer opportunities to maximize an available offer, depending on its terms.
The Smarter Take
Amex Offers work best when they reduce the cost of something you were already going to buy. Before checking out, take a few seconds to check your Amex Offers—you may find money or extra points waiting on the card you’re already using.