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Everyone on the MMS team keeps annual-fee cards in their wallet because their ongoing earning and benefits can more than offset the yearly expense. But when a card has no annual fee and offers perks and savings – for free – it’s a no-brainer to hang onto them year after year.
I was having a peek at my AMEX accounts and was happy to see I’d saved over $50 just in the past couple of months by adding AMEX Offers to my no-annual-fee The Blue Business℠ Plus Credit Card from American Express (See Rates & Fees). It was really just as easy as clicking to add a couple of offers to my account and making eligible purchases (gas, which I would have bought anyway) and waiting for the statement credits to post.
AMEX cards can put real cash back in your pocket. And if you’re not making the most of AMEX Offers, it’s like throwing money away!
I’ll show you how easy it is to save money without having to worry about clipping coupons or swiping a loyalty card!
AMEX Cards Will Save You Money – With Little Effort
AMEX Offers are targeted deals where you can earn statement credits or bonus points by enrolling your eligible American Express cards and making a qualifying purchase. To add offers to your cards, sign into your AMEX account online and click on the offers you’re interested in.
Both AMEX Membership Rewards earning cards and co-branded cards, like the Hilton and Starwood cards, are eligible for AMEX Offers.
You can also check to see how much you’ve saved on a particular card with AMEX Offers. For example, here’s the screenshot from my AMEX Blue Business Plus Credit Card showing what I’ve saved over the past ~6 weeks. This card has no annual fee so any savings are pure gravy!
The AMEX Blue Business Plus is a favorite among many miles and points enthusiasts. While it doesn’t currently come with a welcome bonus, the Blue Business Plus earns 2X Membership Rewards points per $1 spent on all purchases (up to $50,000 per calendar year, then 1X).
Savings on annual-fee cards can offset the yearly cost many times over, too. For example, here’s what I’ve saved in under 2 years with my Starwood Preferred Guest® Business Credit Card from American Express – which has a $95 annual fee (waived for the first year).
So effectively, I’ve made a $270 profit ($365 in savings – $95 annual fee) in less than 2 years with a single card. And $150 of those savings were just in the past few months on my AT&T cell phone bill (again, a purchase I’d have to make anyway). And keep in mind, the AMEX Starwood Business card comes with a free night (at hotels costing 35,000 Marriott points per night or less) each account anniversary, which can more than offset the annual fee.
I love that these savings are automatic once you add the offers to your card. And sometimes I’ll add offers and forget I’ve done so, then get a pleasant surprise later when I make a qualifying purchase that triggers the deal.
If you don’t have AMEX cards in your wallet yet, here’s a list of our favorite American Express cards. And the cards below earn transferable AMEX Membership Rewards points which you can move to airline and hotel partners for Big Travel, like Delta, JetBlue, and Hilton:
|Personal Cards||Business Cards|
|American Express® Gold Card||American Express® Business Gold Card|
|The Platinum Card® from American Express||The Blue Business℠ Plus Credit Card from American Express|
|Amex EveryDay® Preferred Credit Card from American Express||The Business Platinum® Card from American Express|
|Business Green Rewards Card from American Express|
And if you’d prefer AMEX cards without an annual fee, consider these cards:
- The Blue Business℠ Plus Credit Card from American Express
- Hilton Honors American Express Card (See Rates & Fees)
- Blue Cash Everyday® Card from American Express (See Rates & Fees)
- SimplyCash® Plus Business Credit Card from American Express (See Rates & Fees)
How much money have you saved with your American Express cards and AMEX Offers? I’d love to hear your success stories in the comments!
For rates and fees of the Blue Business Plus Card, please click here.
For rates and fees of the Hilton Amex Card, please click here.
For rates and fees of the Blue Cash Everyday Card, please click here.
For rates and fees of the SimplyCash Plus Business Card, please click here.