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The new year is here and that means it is time to develop a 2019 Amex airline fee credit strategy if you have an Amex card that awards an annual fee credit so that you don’t leave money on the table…
There are a number of Amex credit cards that provide card holders statement credits for airline incidental fee charges. If you make use of these credits, the annual fees for these cards feel significantly less painful. If you don’t use the credits, then you are leaving easy money on the table. These use-or-lose credits are awarded per calendar year, and you can change your selected airline once per year — by January 31.
American Express Annual Airline Fee Credits
American Express cards that award annual airline fee credits include:
- Hilton Honors Aspire Card from American Express ($250)
- The Business Platinum® Card from American Express ($200)
- The Platinum Card® from American Express ($200)
- American Express® Gold Card ($100)
Each January you can change your selected airline on each eligible Amex card by scrolling to the “Benefits” section of your online account. If you don’t make a selection, your choice from the previous year rolls over. Generally speaking, the airline you select for the year shouldn’t always be the airline you fly the most frequently.
If you have elite status (or even credit cards) that provides for free checked bags, waived change fees and complimentary seat assignments, you may do better selecting a secondary airline for the Amex airline fee credits. Additionally, it can be very useful to read some reports of what types of charges typically get reimbursed with each airline as that does vary based on how things code. Also factor in that your airline of choice for the fee credits will also be the one that you can get a rebate when using points to book flights with that airline (perk varies by card type).
Real-World Use of Amex Airline Fee Credits
The intent and terms of these airline fee credits is to use them for incidental airline fees such as checked bag fees, change fees, onboard food and drinks, etc. However, in the real world, the credits sometimes cover more than that. Remember that since we are now talking about somewhat off-label uses of the Amex airline fee credits, these examples are not guaranteed to work 100% of the time. I don’t recommend complaining to Amex if they don’t work in your case, but be pleasantly surprised when they do. With the timeline to change your airline for the year drawing to a close, let’s look at recent real world reports related to the Amex airline fee credits.
2019 Amex Airline Fee Credit Data Points
Based on some very useful linked threads on Flyertalk, tests from TPG staffers and data points from the TPG Lounge, here are some recent Amex airline fee credit reports that go beyond the prescribed incidental fee uses.
|Airline||Gift Cards for Sale?||Gift Cards Reimbursable With Amex Airline Fee Credit?|
|American||Yes||No (Updated Feb. 2019)|
|Delta||Yes||No (Updated late-June 2019)|
|Southwest||Yes||No (Updated late-June 2019)|
|United||No (TravelBank Gift Registry unavailable since 9/2017)||N/A|
- Southwest e-gift cards usually worked until late June 2019. TPG has not seen any data points of Southwest gift card purchases triggering the credit since late June 2019.
- American Airlines gift cards stopped working on Feb. 8 or 9.
- Alaska Airlines gift cards do not count, but inexpensive flights under roughly $100 do sometimes count.
- United Travel Gift Registry is still down for “maintenance”. United is currently not a good airline to choose for an Amex airline fee credit if you are hoping to use the credit beyond the explicit terms and conditions. With United, look to E+ seat fees on future flights, United Club day passes and similar.
- Smaller Delta gift card purchases of around $50 usually counted when made from the desktop site and not the mobile site. I tested this in January 2019 and had success, but in late June of 2019, all Delta gift cards seemed to stop counting towards the credit.
- JetBlue does not sell gift cards, though inexpensive flights around $100 or less do sometimes trigger the credit.
- Hawaiian Airlines gift cards do not count so stick with items such as seat upgrades.
Don’t Forget the Ultra Low-Cost Carriers
You can designate ultra low-cost carrier Frontier (where kids fly free) or Spirit as your selected airline, and frankly, that’s not a bad strategy if you fly those carriers. These airlines don’t offer gift cards and there aren’t that many data points out there about what works and what doesn’t with Spirit and Frontier. However, with all of the fees charged by these airlines, using the Amex fee credit as intended should be really easy. Seat assignment fees (hello Big Front Seats), checked and carry-on bag fees, onboard snacks and drinks and more could make use of the annual airline fee credits in a hurry.
Mommy Points’ 2019 Amex Airline Fee Credit Strategy
For years we had United as our selected airline and we used the Amex airline fee credit via United’s gift registry page. But with that option gone since late 2017, last year we switched to Delta and racked up $50 e-gift cards on our Platinum Card® from American Express and the American Express® Gold Card we picked up at the end of the year. Our $50 Delta e-gift card purchases made from the desktop site were all refunded using the Amex airline fee credit in early 2019. However, if gift card purchases don’t return to Delta, we will likely switch back to selecting our primary airline, United, in 2020.
What is your 2019 Amex fee credit strategy?
Featured photo by Eric Helgas/The Points Guy.
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