Amex Offers: New offers for Best Buy, Grand Hyatt and Pepper.

January 15, 2025: There’s a new crop of Amex offers out there, so if it’s been a while, check your cards. We found offers from Best Buy, Hyatt, Pepper. We’ve also added some helpful tips for using Amex offers.

Amex Offers are the American Express variant of card-linked offers, similar to Citi Merchant Offers, BankAmeriDeals, and Chase Offers. These are deals that you can load to your card that offer cash back or additional points when you use your card to make purchases at select merchants. Amex Offers are available on all American Express cards, and even some pre-paid Amex cards like Bluebird.

I find Amex Offers to be one of the most usable, yet underrated perks of American Express cards. Even casual users of Amex offers can find significant savings through the program. On one of my cards, I’ve saved well over $1,000 in the last few years. And this savings is on things that I would have bought anyway.

Here’s what you need to know about Amex Offers.

About Amex Offers: What are Amex Offers?

Amex Offers are targeted, card-linked promotions that offer some perk for using your card. Typically, offers are tied to spending a certain dollar amount at a specific merchant, but we’ve seen Amex Offers that give a bonus for purchases in a specific country, purchases in a certain merchant category.

You must enroll in an Amex Offer prior to making a purchase to receive the stated benefit.

Recent offers: Interesting Amex offers that we’ve found

January 2025 looks like it’s a slow month for Amex offers. We had over 100 offers on our cards in December, but this time around, we found less than a dozen. Still, we found some useful offers.

Here are the recent offers that we’ve found most interesting:

• Marriott Bonvoy Homes and Villas. Earn a one-time $250 statement credit after using your enrolled eligible Card to spend a minimum of $1,000 USD in one or more purchases on property rate and charges incurred at time of reservation at participating Homes & Villas by Marriott Bonvoy® properties from 1/6/2025 to 4/13/2025.
• Pepper. Earn a one-time $30 statement credit by using your enrolled eligible Card to make a single purchase of $75+ at participating merchants on the Pepper app in-store or online through the Pepper app by 3/31/2025. To redeem the Offer, you must sign up for the Pepper app and use your enrolled Card as the payment method. See terms.
• Grand Hyatt. Earn a one-time $50 statement credit after using your enrolled eligible Card to spend a minimum of $250 USD in one or more purchases on room rate and room charges at participating Grand Hyatt® properties in the US & internationally from 1/15/25 to 4/15/25.
• Best Buy. Earn 1 additional Membership Rewards® point for each dollar spent on qualifying purchases made using your enrolled eligible Card in-store at Best Buy® or online at BestBuy.com® by 4/30/2025. Limit of 5,000 Membership Rewards points. (Platinum Card)

Amex offers are usable for things you buy anyway

Most card-linked offers are for specialty merchants where I would not otherwise shop. No, I’m not likely to use the Gem Shopping Network, even if you’re giving me a 20% discount. Sorry, Amex. But I regularly find discounts to places I shop anyway that are useful and save me money.

An example of a usable offer that I found today was a $20 cash back offer for Park ‘N Fly.

Park ‘N Fly is my preferred vendor for airport parking at my home airport. They aren’t the cheapest airport parking available and they aren’t nearly as convenient as parking in the airport ramp. But they represent a good balance of price and convenience. And their service is consistent. About every six months or so, I get some variant of the following Amex Offer in my inbox.

Because this is money that I would spend anyway, adding this Amex Offer to my card is as good as putting $20 in my pocket.

Where to find Amex Offers

On the Amex website, go to your card Home page. Either click “Home” at the top of the page or click into your card from the overview page.

Scroll down past your recent transactions and you’ll see a panel for “Amex Offers & Benefits.” Likely, you’ll have more offers available than are originally displayed, so click on “View All” to expand the list to see all of your offers.

Amex Offers are specific to your card, so if you hold multiple American Express cards, navigate to your other cards in the portal to see the Amex offers available on your cards.

In the mobile app, access Amex offers through the Offers tab in the main navigation of the app. Just click on the plus beside an offer to add it to your card.

Unfortunately, there’s no way to change which card you have selected if you want to add Amex Offers to multiple cards. To change your card, click on “Home” and then tap on the image of your credit card to get the list. Then go back to the Offers page to add offers to your other cards.

Adding an Amex Offer to your cards

Adding an Amex offer to your card is simple. Just click “Add to Card.” The panel containing the offer will expand, showing you the terms and conditions and confirming that your offer has been added to your card.

Amex Offer quirks

Like any bank program, Amex offers has its share of quirks. Here are the few that you need to know about.

Some Amex Offers have limited enrollment

American Express and its partners limit the number of cards that can be enrolled in a given Amex offer. So if you think that you might use a particular offer, it’s best to add it to your card right away. Other than cluttering up the list of offers you’ve added to your card, there is no downside. Adding offers doesn’t cost anything. And there’s no penalty for not using an offer.

You can only add an Amex offer to one card

While you might see the same Amex offer across multiple cards, you can only use a given Amex Offer on one card. Once you add the offer to one card, it will disappear for the others. This is in contrast to other programs like Citi Merchant Offers, BankAmeriDeals, and Chase Offers that allow you to add the same offer to multiple cards if you are targeted.

If you see an offer you are likely to use, consider your card’s category bonuses and benefits and add it to the card that is most rewarding at that merchant. Here are a few examples of how I’ve optimized my Amex offers:

• I add Delta offers to my Delta SkyMiles Platinum credit card that earns 3 Delta SkyMiles per dollar on Delta purchases
• Hotel offers get added to my Delta SkyMiles Platinum Card, Marriott Bonvoy Brilliant card, or my Hilton Honors credit card, depending on which chain because I earn the most on hotel stays with these cards.
• Before I closed it, I added Dell offers to my SimplyCash Plus card, which got 5% cash back on office technology purchases.
• Best Buy offers get added to my Blue Cash Preferred to take advantage of that card’s extended warranty benefit.

Note that not every offer you are targeted for will display on all cards.

You can only be targeted for 100 offers at a time

One quirk of Amex Offers is that the website only displays a maximum of 100 offers available to add to your card. Once you are targeted for 100 offers, you won’t be targeted for any more offers. This can mean missing out on useful offers simply because your offer list is full.

Interestingly, you can have more than 100 offers added to your card. Adding offers to your cards and keeping your available offers under 100 will ensure that you can continue to be targeted for new offers.

Go through and add your new offers periodically to stay under 100 targeted offers. At the beginning of each month, I log into my Amex account and add all of the offers that I’m pretty sure that I won’t use to my Amex Platinum card. Because I keep my American Express Platinum card primarily for its benefits, adding offers to this card won’t clog up my “Added to Card” list on a card that I’m using.

Some Amex offers can be used multiple times.

Some Amex Offers offer a discount for multiple trips to the same merchant. The Kona Grill offer on the right, for example, can be used up to four times. Which is great because Kona Grill is a restaurant that I’ll almost certainly go to within next few months.

If you have large transactions, you can split them. Looking at the above example, if you’re dining at Kona Grill and the bill is going to be $110, you can get $20 out of this Amex offer. Just ask the server to split the check two ways and run your card twice. Most servers will be happy to do this. And if they ask why, just tell them it’s for a credit card promotion.

Tips on using Amex offers: Ways to maximize your offers

Here are our favorite tips on maximizing the value we get from Amex Offers.

Tip 1: Add the offer to you most profitable card

If you have multiple Amex cards, some Amex offers will show up as available on several or all of your cards, but you can only add most offers to one card. One you add a specific Amex Offer to a card, it will disappear from the rest of your cards’ available offers.

That said, some cards are better for some types of purchases. Adding your Amex offers to the card that earns the most rewards or has the best benefits in that spending category will ensure that you maximize the value you get. For example, I typically add hotel offers to my Delta SkyMiles® Platinum American Express Card because it earns 3x Delta SkyMiles on hotels, more than any of my other cards.

Alternatively, if you’re working on earning an Amex welcome bonus, you could add an offer to your new card if you’re looking to take advantage of that card’s

Tip 2: Split transactions to take advantage of reusable credits

Splitting transactions can help you maximize the value you get from your offers, especially with restaurant offers that can be used multiple time.

For example, Amex recently featured an offer for $10 back when you spend $50 at Kona Grill. I was able to ask our server to split a $100+ restaurant bill into multiple checks (usually they can split it by amount) and I received two $10 credits because they ran my card for more than $50, twice.

Tip 3: Purchase gift cards to lock in offers

If you can’t use an offer by its expiration date, but the offer is useful and at a place you regularly shop, consider purchasing a gift card. But there are some caveats when using this tip—many offers exclude gift card purchases in their terms

Before buying a gift card, you’ll want to check to make sure that the gift card is sold by the merchant featured in the Amex offer. Many stores outsource their gift card sales to a third-party site which. If you have an offer for Lululemon, but they send you to GiftCards.com to complete your gift card purchase, you won’t get whatever bonus you see in your Amex offer.

Many offers’ terms exclude gift cards, so you might want to search online for others’ experiences before purchasing a gift card. It’s my view that these terms are really meant to prevent gift card resellers from using the Amex offers, rather than to prevent you from picking up a gift card to use for yourself later. In practice, many gift card purchases (that are processed by the featured merchant) will earn the Amex Offer.

Tip 4: Add all Amex Offers to a card, even if you don’t plan to use them

There’s a good case to be made for adding all of your available Amex Offers to a card even if you don’t plan to use them. Here’s why:

• Make your available offers list more readable. Adding offers to your card clears them from the list of available offers, making it easier to see new offers that you actually might use. This can ultimately save you time when browsing your Amex offers.
• Some offers have limited enrollment. Just because an offer shows up in your list of available offers, that doesn’t guarantee that it won’t disappear before the offer end date. Many of the most profitable offers disappear within a few days or few weeks. Simply adding an offer to your card gives you the option to use it through the promotion’s end date.
• Amex will only target you for 100 Amex Offers. If you have more than 100 available offers showing on a card, you won’t be targeted for any more offers on that card until your available offers expire or are added to your card. You can have more than 100 offers added to any card.

Bottom line: Amex Offers provide value on purchase you make anyway

Amex Offers probably aren’t a make-or-break feature of any of your Amex cards, but they can provide a nice bonus on purchases you’re going to make anyway. If you find yourself with an extra five minutes waiting in a security line an airport or standing in line during the lunch rush at Chipotle, pop open your Amex app, see what offers are available, and add them to your card.

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