Amex offers question

[FinStar]

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@rgd51 wrote:

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

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Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

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Is that usually how it works with Amex offers? As in where I just need to spend $50 to get the $10 statement credit but I only earn cash back on the $47.38? Chase doesn't seem to do that with their offers as they've always given me cash back on the whole amount but chase offers are also usually lower dollar amounts so each has their pros.

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It is clearly written in the AmEx clause as far as how earned rewards work which we've already discussed upthread. AmEx is not Chase and viceversa.

[simplynoir]

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

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Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

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@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

[rgd51]

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@simplynoir wrote:

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

---

Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

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@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

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Yeah I interpreted that to potentially mean it might not count toward SUB spending requirements so to be safe I'm gonna assume it doesn't.

[FinStar]

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@simplynoir wrote:

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

---

Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

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@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

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I've always considered and interpreted (based on the SUB T&Cs -- specific to AmEx) that any reduced amounts, applicable discounts or statement credits to be part of that equation when meeting a SUB requirement. Now, to be fair, I've always spent way more than the minimum threshold to meet the SUB as part of normal day-to-day spending. 

[rgd51]

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@FinStar wrote:

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@simplynoir wrote:

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

---

Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

---

@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

---

I've always considered and interpreted (based on the SUB T&Cs -- specific to AmEx) that any reduced amounts, applicable discounts or statement credits to be part of that equation when meeting a SUB requirement. Now, to be fair, I've always spent way more than the minimum threshold to meet the SUB as part of normal day-to-day spending. 

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Also in regards to Amex offers, how long does it take on average to get the statement credit?

[simplynoir]

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@FinStar wrote:

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@simplynoir wrote:

@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

---

I've always considered and interpreted (based on the SUB T&Cs -- specific to AmEx) that any reduced amounts, applicable discounts or statement credits to be part of that equation when meeting a SUB requirement. Now, to be fair, I've always spent way more than the minimum threshold to meet the SUB as part of normal day-to-day spending. 

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Same here as well again I was just curious

[FinStar]

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@rgd51 wrote:

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@FinStar wrote:

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@simplynoir wrote:

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

---

Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

---

@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

---

I've always considered and interpreted (based on the SUB T&Cs -- specific to AmEx) that any reduced amounts, applicable discounts or statement credits to be part of that equation when meeting a SUB requirement. Now, to be fair, I've always spent way more than the minimum threshold to meet the SUB as part of normal day-to-day spending. 

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Also in regards to Amex offers, how long does it take on average to get the statement credit?

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It depends. Some of the offers can post within a few days, others can take up to a week, while others won't post until a statement cycles. When selecting an offer, carefully read the disclosure of the expected timeframe for when you can expect to see it on your account.

Using a quick example of one of several offers I've used...say on BCE for Disney+, the merchant posted the charge on 10/27 and AmEx posted the credit on Nov 1.

[SouthJamaica]

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@rgd51 wrote:

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@FinStar wrote:

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@simplynoir wrote:

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@FinStar wrote:

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@rgd51 wrote:

What other statement credit or discount would they be referring to? Sorry for all the questions, this is my very 1st Amex card.

---

Any benefit earned from this offer is in addition to the rewards (i.e. Membership Rewards or cash back) earned as part of your existing Card benefits, but your ability to earn spend-based rewards for the purchase will be based on the amount after any statement credit or other discount is applied.

In a nutshell, specific to the bolded section, you'll only earn points/rewards or cashback on the adjusted amount after any statement credit or any discounts as applicable. Using your example, if you spent $57.38, you'll only earn rewards/points/cashback on the net amount of $47.38 after the $10 statement credit is applied.

---

@FinStar, does this also apply to sign up bonus spending requirements? More curiousity than anything else but imagine for the bigger offers like the Delta and Marriott where larger spend gets larger rewards someone can find themselves being hundred of dollars short of their SUB goal

---

I've always considered and interpreted (based on the SUB T&Cs -- specific to AmEx) that any reduced amounts, applicable discounts or statement credits to be part of that equation when meeting a SUB requirement. Now, to be fair, I've always spent way more than the minimum threshold to meet the SUB as part of normal day-to-day spending. 

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Also in regards to Amex offers, how long does it take on average to get the statement credit?

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In my experience, a couple of days.

[moto4man]

I'm aware of the reward you're speaking of.   It's a simple reward... Spend $50, get $10 back regardless how much your purchases are.  It's a rolling figure that you don't have to worry about once you add it to the card.  IIRC they give you 2 credits with a total % equalling $20 max.  

Just add it to the card, and it'll come off your overall balance, not a monthly statement credit.