When it comes to credit cards, most people think about cashback, travel rewards, and perks like airport lounge access—and American Express cards deliver on all these fronts. But beyond the headline benefits, there are lesser-known features that make American Express (Amex) cards stand out even more.
Whether you’re already a cardholder or considering adding one to your wallet, these hidden gems could enhance your daily life and help you save money. Here, we’ll explore eight lesser-known American Express card benefits, breaking down the unique value they can bring to your lifestyle.
1. Free ShopRunner Membership for Fast Shipping
With an eligible American Express card, you get complimentary access to a ShopRunner membership. This perk offers free two-day shipping and returns at over 100 popular retailers, including brands like Neiman Marcus, Allbirds, Kate Spade, and Saks Off 5th.
If speedy delivery is a priority for you (and let’s face it, it is for most of us), this feature alone adds incredible value to your shopping experience. Plus, it dovetails perfectly with Amex’s cashback or Membership Rewards programs, letting you earn rewards while enjoying convenient delivery.
How to Access It:
Simply enroll in ShopRunner using your eligible Amex card, and you’ll instantly unlock these free shipping benefits.
2. Exclusive Amex Offers for Bonus Rewards
Have you checked your Amex Offers section lately? Amex regularly provides targeted deals that allow you to earn bonus points or save money with statement credits on eligible purchases. Example offers include discounts on dining, shopping, and travel.
These offers aren’t just for saving money. If your card earns Membership Rewards—or points for programs like Hilton Honors—these deals can boost your rewards balance significantly throughout the year.
How to Use:
Log in to your Amex account, browse available offers, and add them to your card with a simple click. You’ll automatically qualify after making an eligible purchase.
Pro tip:
Cardholders saved an average of $150 annually in 2023 through Amex Offers, making this one of its most valuable under-the-radar perks.
3. Advanced Travel Perks Beyond Lounge Access
Amex is synonymous with luxury travel perks, thanks to features like airport lounge access, but the travel benefits go further than you might realize. Some Amex cards include:
- Hotel upgrades and credits through Amex Travel’s Fine Hotels & Resorts and The Hotel Collection programs.
- Cruise privileges, offering onboard credits for eligible bookings.
- Rental car status upgrades, such as complimentary Avis Preferred or Hertz Gold enhancements for smoother travel.
Whether you’re booking luxury accommodation or managing logistics for a family trip, these perks elevate the overall travel experience.
Key Cards:
Premium cards like The Platinum Card® from American Express and The Business Platinum Card® unlock nearly every travel feature, often making up for their higher annual fees.
4. Comprehensive Shopping Protections
Amex’s shopping protection benefits often fly under the radar but can save you a lot of stress—and money. Depending on your card, you may enjoy perks like:
- Purchase Protection for accidental damage or theft within a specified time frame.
- Extended Warranty for additional coverage beyond the manufacturer’s warranty.
- Return Protection, which may allow you to return eligible items the retailer doesn’t accept.
Even your phone can benefit, as cell phone protection is available on select cards.
How It Works:
Simply use your Amex card to make eligible purchases, and you’re automatically covered under these protection programs. Check the fine print of your specific card for detailed terms.
5. Insider Access to Events
Want to snag tickets to a sold-out concert, sporting event, or exclusive dining experience? American Express offers early presale access to some of the most popular events through its Front Of The Line® and By Invitation Only® programs.
For select events, you might even enjoy perks like priority seating, discounted concessions, or dedicated entrances.
Top Pick:
The Blue Cash Preferred® Card from American Express is a standout option for earning cashback on purchases while enjoying access to live entertainment discounts.
6. Global Assist Hotline for Travelers
When you’re away from home, especially abroad, unexpected issues can pop up. Eligible Amex cards include access to the Global Assist Hotline, a 24/7 service that offers help with travel emergencies, including:
- Lost passports or baggage assistance
- Connecting to medical or legal referrals
- Emergency cash wire transfers
While the service is free, additional fees may apply depending on the solutions arranged, such as third-party provider costs. Regardless, it’s fantastic peace of mind for international travelers.
7. Car Purchasing Program
Believe it or not, you may be able to earn rewards points or cashback with your next car purchase. The American Express Auto Purchasing Program allows you to charge at least $2,000 of the cost of your vehicle on an eligible Amex card.
Why it Matters:
This gives you the opportunity to earn Membership Rewards or statement credits on one of your largest purchases. Just note that paying off the balance promptly is critical to avoid steep interest charges.
8. Pairing Your Card with Amex Banking Services
Did you know Amex offers more than just credit cards? You can amplify your savings with American Express® Rewards Checking or a High-Yield Savings Account, both of which come with attractive rewards and minimal fees.
Highlights:
- Rewards Checking earns Membership Rewards points on debit card purchases on top of your APY.
- High-Yield Savings offers an impressive interest rate (currently 3.70% APY), allowing you to grow your balance faster while staying fee-free.
Pairing your card with these accounts consolidates your financial life and adds another layer of benefits to your Amex membership.
Why These Benefits Matter!
These lesser-known American Express card perks go beyond traditional cashback or travel rewards. They add value to your daily experiences, protect your purchases, and enhance your lifestyle in ways you may not have considered.
Not an Amex Cardholder Yet?
Now’s the perfect time to explore the options. Whether you’re after no-annual-fee cashback cards or premium rewards with luxury perks, there’s an Amex card for your needs.
Curious which card fits your lifestyle? Visit the American Express website or start comparing cards tailored to your financial goals!