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How to stack Amex Offers for cash back and bonus points

April 14, 2020
4 min read
How to stack Amex Offers for cash back and bonus points
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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 ...

[pullquote source="TPG READER JACK"]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?[/pullquote]

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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.

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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 info@thepointsguy.com.

Featured image by (Photo by Wyatt Smith/The Points Guy)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023