Save On Your Cell Phone Or Cable Bill With Amex Offers

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For those of you not familiar with Amex Offers, it’s a program available through most Amex cards, where different cards are eligible for different savings and bonus offers. In many cases the offers can be huge, and more than offset the annual fee on a card.

To view Amex Offers, go to the bottom of the account summary page of any American Express card, where you’ll see all the offers you’re eligible for. These offers come in different forms, including discounts and even in some cases bonus points.

A few new targeted Amex Offers have been loaded, which can save you money on your cell phone, cable, or satellite TV bill. These offers are valid through November 15, 2017, though registration is limited, so you’ll want to register ASAP if eligible. There are a few different versions of the offer out there, so let’s take a look at them.

The first Amex Offer is for 1,000 bonus Membership Rewards points if you spend $100+ on your cable or satellite TV bill. In other words, if your bill were exactly $100, that would be like earning 10x Membership Rewards points, which is awesome. You can use this offer up to three times, for a total of up to 3,000 bonus Membership Rewards points (though each transaction needs to be a minimum of $100). I had this offer on The Platinum Card® from American Express.

Another version of the offer is for 10% back on your cable or satellite TV bill. There’s a limit of $30 in credits, so this is good if you have a big bill. For example, on a $300 bill you’d get $30 back, rather than needing three transactions. I had this offer on the Starwood Preferred Guest® Credit Card from American Express.

Then there are similar offers for cell phone bills, where you can either earn 1,000 bonus points or get 10% back. I had this offer on the Hilton Honors™ Surpass® Card from American Express.

Is taking advantage of this offer worth it (if targeted)?

First of all I should mention that I value Membership Rewards points at 1.7 cents each, so to me 1,000 Membership Rewards points are worth $17, while 10% back is worth, well, 10% back. So in general if you’re targeted for both offers, the 1,000 bonus points is more valuable if your bill is $100-170, while 10% back is going to be worth more if your bill is less than $100, or more than $170. At least that’s how the math works out based on my valuation, and you can apply your own math based on your points valuation.

But is this the best offer at all? The two best cards for your cell phone and cable bills are the Ink Business Preferred℠ Credit Card and Ink Business Cash℠ Credit Card. The Ink Business Preferred℠ Credit Card earns Ultimate Rewards points, while the points earned on the Ink Business Cash℠ Credit Card can be converted into Ultimate Rewards points in conjunction with a card like the Chase Sapphire Preferred® Card. Those cards offer 5x Ultimate Rewards points on these purchases, which I value at a return of ~8.5%.

So, does it make sense to take advantage of the Amex Offer?

  • Obviously it’s worthwhile if you don’t have one of the Ink Cards
  • The 10% return is worth only marginally more the 5x points, in my opinion, so it’s worth it, but it’s a marginal return, and you’ll lose out somewhat if you exceed the $300 limit
  • The 10x points is definitely more valuable than the 5x points, but you have to make sure your purchases are in the right increments
  • This could be especially worthwhile if your cell phone or cable company lets you put a bill on multiple credit cards — in other words, earn 1,000 bonus points for the first $100 spent, and put the rest on the Ink (does anyone know if cell phone, cable, and satellite TV companies let you do that?)

Were you targeted for one of these Amex Offers, and if so, do you plan on taking advantage of it?

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Comments

  1. I saw this RIGHT AFTER I paid my cell phone bill. 🙁 It’s still pending, so I wonder if it will get counted towards this.

  2. i got cable bill – spend 100$ get 1k points (up to 3x). I usually use my SPG amex for my cable bill so in theory I could transfer amex to spg but ill save it for british airways (which has the 40% promo going on)

  3. This is great! Thank you. My offer was 10% back on just my cell phone bill. This was offered through my Amex Starwood card.

  4. For T-Mobile, you can pay a specified amount with one card and then pay the balance with another.

  5. “This could be especially worthwhile if your cell phone or cable company lets you put a bill on multiple credit cards — in other words, earn 1,000 bonus points for the first $100 spent, and put the rest on the Ink (does anyone know if cell phone, cable, and satellite TV companies let you do that?)”

    You can make one-time payments in any amount to almost any provider. This is not at difficult as you’re making it out to be.

  6. @ EB — Interesting! Any clue if T-Mobile lets you pre-pay as well, or does it have to be an existing balance?

  7. Got 10% back on cell phone bill as well on my Starwood card… unfortunately not applicable for Google Fi. O well.

  8. I only got the cell phone offers (10% back on my SPG, and the points on my Everyday Preferred). Problem is that my carrier is not listed 😀 . I wish I had gotten the cable offer!

  9. Had the cable offer an all three of my Amex cards, but didn’t have the cell phone offer on any. Oh well. Maybe because I already put my cell phone bill on my SPG card every month anyway.

  10. I had a similar offer on my account a while back, made three separate $100 payments on my T-Mobile bill, and got the full 3k points for an offer that was specific to phone bills. This specific offer doesn’t mention anything about phone bills, but only cable or satellite tv. Can someone clarify?

  11. just checked my account and don’t see this option. But I was offered the Plat card with 60K points bonus for spending $5K in 3 months. I used to have the Amex Plat a couple of years ago but canceled it after the first year. The terms don’t mention anything about eligibility for the bonus being contingent on not having had the card in the past.

    But that $550 annual fee is pretty steep. And the benefits don’t seem to be enough better than the CSR card for me. I thought it was interesting that it was offered to me. I also got an offer for their Gold card a little while ago that I’ve been considering. 50K bonus points for $2K spend. Seems like a better deal.

  12. @ Bnsf — There are two different offers here. One is for phone bills, the other is for cable and satellite bills. So if you got the latter, it won’t work on phone bills.

  13. @lucky – Yes, on T-Mobile you can pay in advance when you have a $0 bill. If you have any phones on your account with one of their interest-free monthly payment plans, you could also make a payment to reduce the outstanding amount owed for the device.

  14. Not worth it for me, I’ve gotten my cable bill waaay down recently so I’ll never meet the spend. Better to just leave it on autopay on the Ink Bus Cash card.

  15. I can confirm that Verizon lets you advance pay too, with the only (odd) stipulation being that same-day payments be for different amounts.

    And AmEx have already emailed to say my $100, $101 and $102 payments have qualified. 🙂

  16. Cool. Got both offers on my Everyday card and my Surpass card. So $1200 in payments I was going to make anyway brings in 6K AMEX points, and 6K Hilton points. Would never have found these without the post, as I rarely wander down the offer pages, past the Olive Garden and Five Guys offers. Surprised I had to scroll down so far to find them.

  17. I have both Hilton Amex Cards(only Amex cards I have). On the Surpass I got 10% back on cable and satellite (up to $30 in credits) and on the free card I got 10% back on cell phones up to $30

  18. @ Jeff — Maybe you just have bad luck? My Amex Platinum was targeted, and is for a lot of offers.

  19. Got the cell promotion on one of my six cards, spg personal.

    Just curious about the cable/sat credit (which I didn’t get). Say your internet provider is xfinity. If you pay it, will you get the credit even if there is no cable package associated with the account? Or are they able to somehow ‘microcode’ the bill?

  20. Be sure to check your authorized user cards. Nothing showed up on my primary cards but ALL of my auth users had at least one of the offers. 4 phone offers and 2 cable offers for total of 18,000 MR pts. Giddy up!

  21. I was hoping to get one of these on my Blue Business card, but nada there. But I did get the 10% back offer for both the cell phone and cable bill on my SPG Amex; I’ll gladly take it, of course.

  22. It turns out doing 3X $100 payments in a row to the same company with the same cc doesn’t work. The first payment to my cell phone bill, and my first payment to my cable company, went thru fine. But the second payments of the exact same amount to the same company were voided out, probably considered accidental duplicates.

    Spreading this out over 3 days is going to cost me 100 AMEX points since I did 30 purchases on my Everyday card this billing period, which ends tomorrow. And I won’t be doing that again next month, since I have maxed out my $6,000 grocery cap for the year. I just hate to lose a single point, much less 100. 😉

  23. I’m jealous. I have been an AMEX card holder since 1985 (Yes, I was granted a card at age 3, lol) and currently have 3 cards….and I did not receive either offer on any card. I almost NEVER do.

    I know it’s jealousy but frankly I’m sick of this shit. Im calling AMEX and demanding the offers on at least one card or I’m dropping them all.

  24. Can anyone conclusively confirm that this offer can be successfully redeemed on multiple cards, more than three times total? Not just receiving the initial email, but actually posting the points (or refund) to the account? The terms of the offer seem to claim the offer is once per total Amex account, whereas most offers claim once per card.

  25. Worked for me on my Amex Blue Cash…paid my VzW Fios bill and already received an email saying I just used my Amex offer. I remember back in ’15-’16 I used to spend a ton on Amex to make use of the offers, but it’s been pretty dry since mid 2016 for me.

  26. Forgot to add, thank you Lucky for alerting us of this offer! Keep up the good work 🙂

  27. I got both 1,000-point offers on my Gold Premier Rewards Card. My cell phone is Virgin Mobile, so I can’t use that one, but I made sure I’ll get the cable bonus points. I had been auto-paying my cable bill with Discover, but I’ve now changed it to Amex.

  28. My cell phone bill is less than $100. If I pay it with AMEX for two consecutive months (total greater than $100), does it count toward the bonus?

  29. How are you receiving M.R. points on tour Hilton Surpass? I thought Hilton Surpass amex meant only Hilton points. I’m not M.R. savvy, so think im missing something I should do w/the surpass. ? Thx

  30. My Internet bill is only $39. Can I prepay a couple months? Does Internet from Comcast count for this offer?

  31. Responding to my own comment – yes it works for Internet, and yes you can overpay your bill up to the $100 amount.

  32. My Amex Everyday (regular) got both the 1000 pts for cable and 1000 pts for cell, paid my Verizon Fios bill, and Verizon registered for both offers. 2000 points 3x. Nice.

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