Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I made an XXXX XXXX  purchase from XXXXXXXX on my American Express XXXX XXXX, which Amex states will receive an annual {$200.00} credit for XXXX XXXX purchase on XXXX https : //global.americanexpress.com/XXXX  {$200.00} XXXX XXXX  Credit Enrollment through American Express is required to receive the benefit. Only the Basic Card Member or Authorized Account Manager ( s ) on a U.S. Consumer XXXX XXXX Account can enroll in the benefits section of their americanexpress.com account or by calling the number on the back of their Card. Enrolled Basic Card Members can receive up to {$200.00} in statement credits each calendar year on eligible purchases charged to the Card Account. Eligible purchases include XXXX XXXX purchases made online at XXXX website XXXX. Not valid on purchases shipped to XXXX territories or outside the U.S. Excludes XXXX  membership purchases, other hardware purchases ( e.g., chargers, add-ons ), extended warranty purchases, XXXX gift XXXX purchases, and purchases made using third-party retailers, delivery services or other intermediaries. Purchases by both the enrolled Basic Card Member and Additional Card Members on the Card Account are eligible for statement credits. However, each enrolled Card Account is only eligible for up to {$200.00} in statement credits per calendar year, per Card Account. 

Please allow up to XXXX weeks after an eligible purchase is charged to the enrolled Card Account for statement credit ( s ) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after XXXX weeks from the date an eligible purchase is charged to the enrolled Card Account. American Express relies on the merchant 's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on XX/XX/XXXX but the merchant processes the transaction such that it is identified to us as occurring on XX/XX/XXXX, the statement credit for the next benefit period would be applied if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Statement credit ( s ) may not be received or may be reversed if an eligible purchase is returned, refunded, cancelled, or modified. American Express also relies on information provided to us by the merchant to identify eligible purchases. If American Express does not receive information that identifies your transaction as eligible for this benefit, the XXXX XXXX XXXX will not receive the statement credit. XXXX XXXX XXXX XXXX not receive the statement credit if we receive inaccurate information or are otherwise unable to identify your purchase as eligible, if a transaction is made with an electronic wallet or through a third party ( such as an app store ), or if the merchant uses a mobile or wireless card reader to process it. 

If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If your Card is enrolled in the benefit and you replace your Card, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

Company response to consumer: Closed with explanation