How to stack Amex Offers for cash back and bonus points

Apr 14, 2020

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Reader Questions are answered twice a week by TPG Senior Points & Miles Contributor Ethan Steinberg.

One of the highest-impact things you can do to increase the amount of points and miles you earn is learn to double dip, like stacking an online shopping portal with an Amex Offer, to earn more miles or cash back on a purchase you already planned to make. TPG reader Jack wants to know if it’s possible to stack two different types of Amex Offers from the same retailer together …

Is it possible to “double dip” and stack two Amex Offers at once? I have one offer for $30 off $150 at Cole Haan and another for an extra 6 points per dollar spent. Do they both apply? And do I get the 7x points per dollar on the full price, or only the next after I get the credit back?


For more TPG news delivered each morning to your inbox, sign up for our daily newsletter.

If you’re not familiar, check out our guide to Amex Offers to find out how you can earn bonus points or save money on everyday purchases. Amex Offers come in many forms, some offering you a cash rebate after spending a certain amount at a retail partner, some offering bonus points after spending a certain amount, and some offering a higher bonus multiplier, like Jack’s offer to earn an extra 6x points per dollar at Cole Haan.

While it’s important to remember that you can only load each Amex Offer to one of your cards, if Jack is targeted for both of those offers on the same card he can and should stack them together! As long as he adds both offers to his card and makes qualifying purchases at Cole Haan according to the specific terms of the offer, he should automatically receive credit for both deals.

The second part of Jack’s question, about exactly how many points he’ll earn, is slightly more complicated. To keep the math simple, let’s assume that he spends exactly $150, triggering the $30 rebate. In this case he would earn 7x points per dollar (6x bonus points plus 1x from his normal card earning) on the $150, for a total of 1,050 Membership Rewards points. When Amex applies the $30 credit to his account, they will likely debit him 1x point per dollar on that credit, leaving him with a total of 1,020 points on his $150 purchase, which is still a very respectable haul.

Related: Choosing the best American Express credit card for you

TPG’s Points and Miles Editor Jasmin Baron used a similar stacking strategy last year at the Hilton Grand Wailea, a Waldorf Astoria resort. She had two Hilton-related Amex Offers in her account at the time, one for $100 back on a $500+ stay at a Waldorf Astoria or Conrad hotel, and another for $200 back on a $1,000+ stay at Hilton hotels in Hawaii.

Better yet, these offers both appeared on her Hilton Honors American Express Aspire Card, meaning she was able to triple stack and enjoy a $100 discount from the first offer, a $200 discount from the second offer, and take advantage of her card’s up to $250 annual Hilton resort credit, for a total savings of $550.

The information for the Hilton Aspire Amex card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

Great stack Jack! If you were already planning on shopping at Cole Haan, doubling up on these two Amex Offers would give you a $30 savings and an incredible return on spend — over 12% based on TPG’s valuations.

Thanks for the question, Jack, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at

Featured photo by Wyatt Smith/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months. Offer ends 8/3/2022.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
17.24%-26.24% Variable
Annual Fee
Balance Transfer Fee
Recommended Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.