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American Express is clearly keen to get cardholders spending on some of its cards as we’re currently seeing new targeted spending offers appearing on various consumer and business cards. So far reports suggest that the targeted offers cover Membership Rewards cards as well as select co-branded cards but, as I’ve found out, just because you hold a card that Amex is targeting doesn’t mean that you’ll get the offer.
“Get 1,500 Membership Rewards Membership Rewards points by using your enrolled Business Card to spend a minimum of $5,500+ in one or more eligible transactions, up to 3 times during the offer term. Once you add the offer to your eligible Card, you will have 90 days to spend $5,500 or more.”
The Key Terms
- Must first add offer to an eligible Card and then use same Card to redeem.
- Once you save the offer to your eligible Card, you will have 90 days to redeem.
- Limit 1 enrolled Card per Card Member.
- Your enrollment of an eligible American Express Card for this offer extends only to that Card.
- After you enroll an eligible Card, you will not be able to enroll a second eligible Card that you may have.
- Your enrollment does not extend to any other Cards that may be linked to the same Membership Rewards program account (such as Additional Cards).
- An “eligible purchase” means a purchase made with your enrolled Card within 90 days upon saving the offer to your Card in accordance with these terms.
- Each time you make one or more eligible transactions totaling at least $5,500+, you will receive 1,500 Membership Rewards additional Membership Rewards points, up to 3 times.
- Cash advances, balance transfers, other fees and charges such as interest, annual fees and foreign currency conversion fees are not eligible transactions and do not qualify for this offer.
Please see your targeted offer for full terms and conditions.
Other Targeted Offers
The ever-reliable Doctor of Credit has reported that a number of other cards are being targeted and that the number of points on offer (and the spending requirements) can vary. These are some examples of the offers cardholders appear to be seeing:
- Spend $3,000+ and get 5,500 Membership Rewards points, up to 3 times
- Spend $3,500+ and get 3,500 Membership Rewards points, up to 3 times
- Spend $7,000+ and get 2,000 Membership Rewards points, up to 3 times
- Spend $7,500+ and get 11,500 Membership Rewards points, up to 3 times
- Spend $8,000+ and get 2,000 Membership Rewards points, up to 3 times
- Spend $10,500+ and get 15,500 Membership Rewards points, up to 3 times
- Spend $500+ and get 1,000 bonus Marriott Bonvoy points
- Spend $1,000+ and get 10,000 bonus Marriott Bonvoy points
- Spend $2,000+ and get 20,000 bonus Marriott Bonvoy points
These are just a few examples of what has been reported so there are considerably more variations of these offers out there, and it’s highly likely that the offers are being targeted to other cards too (I’d be surprised if the Marriott Bonvoy Business Card wasn’t targeted).
It’s very obvious that some of these offers are considerably better than others (I’m not sure too many people are going to be tempted by my offer or the offer to earn 2,000 MR points after spending $7,000), but the good offers are genuinely worth considering if you have some big spending coming up.
If, for example, you’ve been targeted for 3,500 Membership Rewards Points after $3,500 of spending on the Blue Business Plus Credit Card, you will effectively be earning 3 Membership Rewards points/dollar on $3,500 of spending (2 points/dollar from the card and 1 point/dollar from the offer). If all of that spending is made in categories that wouldn’t otherwise attract a bonus (from any other card in your portfolio), that’s a very good return on your spending.
A key thing to note from the terms and conditions of the offers that are appearing on various Membership Rewards cards is that you don’t have to activate this offer immediately. In my case, I don’t have to activate my offer until 26 January 2021, and only then will my 90-day countdown begin.
Don’t activate these offers until you know you’re within a 90-day period of high spending.
If you hold an Amex card make sure you check the offers that you’ve been targeted for to see if anything tempting is being put your way. Holders of Amex business cards and Bonvoy co-branded cards are definitely being targeted but other cards may be seeing some love too.