Visa constructed a program in 2005 that pulls data from 65 million cardholder accounts and uses it to customize offers, allowing the company to create unique events that encourage
shopping at certain merchants.
Meanwhile, credit cards from American Express and Discover provide greater refunds when
used at certain merchants, allowing a consumer to earn 1.25 percent with those credit cards when they are used in the most favorable combination.
That is, you can choose to get either a 5 % discount or 2 Membership Rewards points for each dollar
spent at certain merchants, such as FedEx or Hertz car rentals.
There are essentially two types of offers — those that offer bonus points for
shopping at certain merchants, and those that offers discounts (for example spend $ 100, get $ 20 back).
Amex OPEN Savings is a benefit of Amex business credit cards and a good reason to consider getting one, because you can earn up to either a 10 % discount or 4 bonus Membership Rewards points per dollar (although sometimes a lower 3 % discount and 2 bonus points)
automatically at certain merchants.
American Express often releases Amex Offers that give you an extra Membership Rewards point when you shop
at certain merchants.
You will not earn 2X rewards (i) on any bonus you may already receive with your Card, including any additional points / miles / cash back that you may already receive when you spend on certain types of purchases or
at certain merchants or (ii) on any other bonus / rewards you may earn with a different promotion or offer from American Express.
These cards can give you 5 % or more in rewards when you use
them at certain merchants.