This Is My Favorite Amex Card Perk -- and Most People Don't Use It

I'm a big fan of using rewards credit cards. Since I already use credit cards to pay for everyday purchases, I love that I can earn valuable rewards without doing extra work. But this isn't the only benefit of rewards credit cards.

I have one of the best American Express cards in my wallet. The Amex Offers program, which I can easily use because I'm a cardholder, allows me to save money when I spend money with my card. Find out more about this benefit.

Amex Offers can help you save money and earn more rewards

If you have an American Express card, you can use Amex Offers. Through this program, cardholders are presented with various offers that they can activate to earn money back or more rewards when using their cards to make eligible purchases.

Many offers allow cardholders to earn money back on eligible purchases as a statement credit to their credit card account. Some offers are displayed as a set dollar amount, while others offer a percentage back. Plus, some offers allow cardholders to earn bonus American Express Membership Rewards points when they make qualifying purchases. Terms apply.

You can access Amex Offers and view current offers by logging in to your online account on the American Express website or mobile app. It's worth noting that these offers are targeted, so not every cardholder will see the same offers.

Offers are organized under categories like shopping, dining, travel, and entertainment. You'll see offers from various retailers under each category and can select an offer to learn more. You can also select "Explore Nearby Offers" to view current offers from participating retailers near you.

Offers can change, so it's a good idea to check them at least a few times each month so you don't miss out on a good deal. You must activate offers before making a purchase. You can activate an offer that interests you by clicking the plus or "Add to Card" buttons.

You must also use your eligible Amex card to pay for your purchase. Be sure to review the terms and conditions of each offer before making a purchase. This way, you'll be aware of any restrictions. Amex Offers have expiration dates, so don't miss this critical detail.

How I benefit from using the Amex Offers program

This is one of my favorite Amex card perks. I try to remember to check my Amex Offers at least once a month. If an offer interests me, I add it to my account so I don't miss out if I end up spending money with a participating retailer.

While I don't get a direct discount on my order when using Amex Offers, earning cash back as a statement credit is still a win for my personal finances. A statement credit reduces the money I owe on my credit card bill. I also like earning American Express Membership Rewards points faster through this program.

This is one Amex cardholder benefit that is often forgotten by many. If you have an Amex card, don't let this perk go to waste. Using all available credit card benefits lets you get more value from your cards. Check out our list of the best credit cards to find a card that fits your needs.