Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am submitting this complaint about American Express denying a {$100.00} statement credit tied to an Amex Offer. I recently submitted a previous complaint for the same issue, and American Express responded that the statement credit would not be offered. However, American Express completely disregarded the reason for my complaint and as such, I am resubmitting to clarify my complaint and be reviewed again. I added an offer that gives {$100.00} back after spending XXXX XXXX XXXX XXXX purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX website. I understood those terms and followed them to the best of my ability. I am in the US, and I logged into the XXXX XXXX website to book a rental car for an upcoming trip. The final price was shown in USD and gave no indication that it would be converted/processed in a different currency on the back end. As the price was shown in USD and did not explicitly say anywhere that it would actually be converted and processed in XXXX any person would make the reasonable assumption that it would be processed in USD. My complaint here is that the disqualifying currency conversion was not disclosed and therefore, out of my control. As I did everything else to reasonably ensure that my purchase would qualify for the credit, such as making sure the final price shown was in USD, I am requesting the {$100.00} credit to be honored as I could not have known XXXX would convert the purchase to XXXX Additionally, I specifically only used this Amex card because of the Amex offer. Had I known the purchase would not qualify, I would have used another card with a better points back for rental car purchases, and as such am financially worse off now. To show the effect, I used the Amex XXXX XXXX which gets XXXX points back for car rental purchases. The car rental total was {$620.00}. On top of that, I paid an additional {$19.00} for primary car rental coverage, bringing my total out of pocket to {$640.00} with XXXX total points back ( no points back were earned on the primary car rental protection ). With the {$100.00} credit, my total out of pocket would have been {$540.00} with XXXX points back. Had I known the credit would not qualify, I would have used my XXXX XXXX Autograph card, which gets XXXX points back on car rentals and has included primary car rental coverage for rentals in the XXXX. Using that card, my total out of pocket would have been {$620.00} with XXXX total points back. Had I known the credit would have qualified, there would have been no reason to use the Amex XXXX as it would have made me worse of financially, which is why I only used it because I reasonably made a purchase within the terms of the offer. Because Amex refuses to honor the credit, I am now worse of financially by {$19.00} and XXXX points. More context on the purchase is below : On XX/XX/scrub>XXXX XXXX XXXX I booked the rental through the XXXX XXXX website for an upcoming trip to the XXXX. At checkout, the total was clearly shown as {$620.00} USD. Based on that, I had every reason to believe the charge would be processed in XXXX dollars and would qualify for the offer. Nowhere did it explicitly disclose that although the price was shown in USD, it would be converted/processed in another currency. After the charge posted, I saw that it had actually been processed in GBP instead. There was nothing during checkout that made this clear. If it had been disclosed, I would have tried to make sure the charge was in USD or used a different card. American Express denied the {$100.00} credit because the transaction wasnt processed in USD. Ive reached out multiple times to explain that I acted in good faith and relied on what was shown at checkout, but theyve refused to make any adjustment. I am not disputing the terms of the offer. However, I was not given a fair chance to meet them. The price was shown in USD, and there was no indication the charge would be processed differently. I am asking that American Express honor the {$100.00} credit as a goodwill adjustment given the circumstances. Thank you for your time and review.

Company response to consumer: Closed with monetary relief