AmEx Small Business Saturday 2015: Up To $30 Credit Per Card

Filed Under: American Express, Business

One of American Express‘ most lucrative long standing promotions is Small Business Saturday, whereby American Express card members can register to receive a statement credit for purchases made at small businesses on the Saturday after Thanksgiving (which this year is November 29, 2014).


The promotion started in 2010, and for the first three years American Express would offer a $25 statement credit per card account. Then last year they reduced the credit to $10 per card card. That was still a nice bonus, though at the same time some people were frustrated by the fact that it dropped by 60% from one year to the next.

We’re now finding out the first details of this year’s Small Business Saturday promotion, and it has the potential to be lucrative.

The terms & conditions of the 2014 Small Business Saturday promotion have now been published, and it looks like this year it will be possible to get three $10 statement credits per card:

Limit three (3) $10 statement credits per eligible American Express Card. To receive the offer, Card Members must register any eligible American Express Card for this offer. Corporate Cards and all prepaid Card products (other than American Express Serve® and Bluebird®) are not eligible.

To receive the $10 statement credit, the Card Member must use his or her registered Card to spend $10 or more in a single, in-store transaction at a qualifying small business location on Saturday, Nov 29, 2014. For example, if your transaction is only for $5, you will not receive a credit . Multiple transactions of less than $10 will not qualify even if the combined total of those transactions is over $10. You may purchase multiple items that together equal $10 or more, but you must purchase them in a single transaction to receive the state ment credit. Online transactions do not qualify.

While it’s not possible to get a $25 statement credit with a single purchase, if you maximize the bonus you can get $30 worth of statement credits — it just requires a bit more work than in past years. If I’m reading the rules correctly, the three transactions don’t have to be at separate retailers — as long as you make three separate transactions, they should all qualify for reimbursement.

What’s also interesting is that this year American Express Serve and Bluebird Cards are eligible, which wasn’t previously the case.

I’ll post a reminder when registration opens on November 16, 2014. It should remain open through November 29, 2014 (which is Small Business Saturday), unless the registration limit is reached sooner.

Will you be taking advantage of this year’s Small Business Saturday?

(Tip of the hat to Mommy Points)


  1. Probably won’t go out of my way for it. When it was $25, I really leveraged it.

    Last year I think they said alcohol was excluded. So my approach of buying nice wine at $25 off per bottle didn’t work anymore. 0ther than food , not too many things get that much more attractive at $10 off.

    Also, their website listing eligible stores was a mess.

    Do we know the exclusions yet?

  2. Sorry, I see you posted a link to the T&C. Seems like has and pitiful contributions are excluded. Cigarette smokers will rejoice .

  3. I don’t believe that alcohol was excluded last year. How would they even know what you bought at a local grocer. Besides my favorite wine shop was on last year’s list. Alcohol is pretty much all they sell there.

    Will we be doing this with our regular cards, AU cards, and Bluebird cards, for a combined total of $320?. Is the Pope Catholic? Does a bear sleep in the woods? ‘Heck” yes !

  4. My small town city hall is listed. I wonder if you could use this for a utility bill? Interesting. Also our local liquor store is on the list and in Kansas ALL they can sell is liquor. Interesting but I still wish it was $25.

  5. Don’t see any reason why you couldn’t ask the salesperson to split up paying for whatever at $10 a pop 3 times. Example, $30 bottle of wine, ask him to split it into $10 increments. If they’re not swamped with business, I bet it would be no problem.

  6. I’ve had problems in the past using the same card at the same store and purchasing the same amount more than once. On the second transaction (same dollar amount as the first transaction) AMEX denies the transaction thinking that the vendor duplicated the first transaction. Happened to me when AMEX was running the grocery store bonus where you could get three $10 credits for $50 of grocery purchases. I bought gift cards but had to vary the amount of the gift cards at $50, $51 and $52 so the transactions weren’t denied.

  7. If you have bluebird/serve you should probably signup for sub-accounts now. Doesn’t look like terms preclude them.

  8. Well Ben, I think we’re the only ones blogging this without CC affiliate links peppered throughout. But I don’t have Amex links, what’s your excuse? 🙂

  9. @onemileatatime
    how can i tell if a particular restaurant/business is participating is small biz saturday plz?
    is there a list?

  10. @ purcitron — I don’t think it’s live yet, but there should be a list with all the participating places soon.

  11. I have 9 different AMEX cards (3 are mine and 6 are added users) would it be worth my time using all the 9 cards for purchases? Also, to make it easier can I go to say 9 different stores and have them ring up each purchase 3 times on the same card, or do I need to have them ring up the purchase on 3 different cards? I am just confused by this can we use the same cards at the same merchant of does it have to be different? Sorry if I am making no sense, I am a little confused and do not know if I was clear in what I am trying to say. Thank you to anyone who can help me!!!

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