Ryan shared the details of his American Express Retention offer with me. The offer is very good. I am so jealous of him right now. I added it to our database and it was worth a post on its own.

Shawn and I were able to get this offer on our cards by talking. Our annual fees were not posted recently. Many members of our Facebook Group were able to get it. If you were planning on waiting until your annual fee posts, it is worth a try. I was able to line it up with a few 10,000 points after spending $1,000 on authorized user offers. This is a massive triple dip earning scenario.

Amex Surpass Retention Offer Details

Ryan reached out to American Express via chat to see if there was a retention offer after the annual fee was posted on his card. He figured it was worth a shot even though he had no intention of closing the card. Amex is giving away free money right now, so why not try it?

Here are the terms of the offer:
  • Earn 60,000 Hilton Honors points after spending $3,000 within 3 months.

Depending on how you value the points, they are worth between $250 and $300. That is a huge amount for a card with a small fee.

It Gets Better With Stacking

Ryan hasn't completed his $15,000 spend for the free night yet this year, so this offer is even better. He gets to double dip these two bonuses at the same time. The card has a very rewarding earning structure.

  • Earn 12X Hilton Honors bonus points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors bonus points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • 3X Hilton Honors bonus points for all other eligible purchases on your Card.

The 6X earning categories, along with the 15K free night, are a big reason why I still spend on my surpass every year.

Amex Surpass Retention Offer: Final Thoughts

If Ryan completes the entire required spend in the 6X earning categories, and maximizes the free night he will earn down the road, he would earn a staggering 32 points per dollar on that spend. He would get 6X for the normal spend, 6X more for the free night cert, and 20X for the retention offer. It is still fun to break out even though it is only for $3,000. It is similar to getting a new welcome offer on the card.

Hopefully other people can get a similar offer on their card. This is the biggest offer I have seen yet. The $1,000 Business Platinum card retention offer is still the best for retention offers.

Remember to check our massive retention offer database before reaching out for your offer. And, share your recent results in the comments!

We have a partnership with Card Ratings for our coverage of credit card products. Card issuers may give a commission to Miles to Memories and Card Ratings. The author's opinions, reviews, analyses, and recommendations have not been reviewed, endorsed or approved by any of these entities.

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