(10/30/23 organizational edit: general information expanded and moved to top of Wiki. Previously it seemed to be “buried” at the bottom. Should be more user friendly.)

AmEx “official” term for what we call Retention Offer is “Loyalty Incentive” (offer). Amex representatives/agents have no discretion over retention offers, it’s all computer/algorithm generated. Often there are 2 offers; points or miles for certain spend within certain timeframe, statement credit for same spend and timeframe. The agent might only state one of these, might need to ask about the other if interested. Sometimes a 3rd offer to use miles or points to pay annual fee.

Usually available every 13 months. Accepting an offer obligates keeping the account open for 1 year.

There’s no rhyme or reason to these offers. Some high use cards get no significant offer, some minimal use cards get high offer. Offers can change on a daily basis. No reports of adverse action due to asking about retention offers too often. Can discuss multiple (personal or biz cards) in one call. Agents are required to read a somewhat lengthy disclaimer if an offer is accepted AND if an offer is declined.

Membership Consulting (Retention) department:
800.452.3945 (After entering your card number you may hear a "no longer in service" type of message -- if this happens, HUCA)
-OR-
855.857.7657
Upon inputting full account #, without # sign, call will automatically route to Personal or Business Membership Consulting (Retention) department. Each department can only discuss the applicable cards.

Hours: 08:00 - 23:00 Eastern Standard Time
Chat with a Membership Consulting Services Monday to Friday, 9:00AM to 5:30PM ET (7/19 - quoted 8:30 AM to 3:45 PM ET for Amex Business account)

To access chat:
Login to the Amex App, then press the chat icon at top right.
Via the web:
Log into http://americanexpress.com
Select "Help" at top right
Select the blue "Live Chat" button.

• If you product change your Amex, they will prorate the annual fee refund.
• If you cancel your account completely, you will be refunded the annual fee if within 30 days of the print date of the statement showing the fee. After that, there's no refund.

FT thread for technical issues with chat: Amex (USA) chat function problems [Consolidated]

PLEASE LIST YOUR RETENTION OFFERS BELOW.
MM/DD/23 XXk points for $Yk spend in Z months. Accepted/Declined.
Add more cards in same format as required.

Platinum, personal
01/04/23 30k points for $3k spend in 3 months. Accepted
01/05/23 30k points for $3K spend in 3 months, Accepted. Alternative offer was 1:1 points redemption to pay AF.
01/09/23 55k points for $4K spend in 3 months. Accepted
01/18/23 20K points for $3K spend in 3 months, Accepted
01/24/23 20K points for $3K spend in 3 months, Accepted
01/30/23 30K points for $3K spend in 3 months, Accepted
01/31/23 30K points for $3K spend in 3 months, Accepted
02/05/23 $300 for $3K spend in 3 months, Declined
02/08/23 30k for $3k spend in 3 months, Declined. 2nd renewal after receiving 55k for $5k spend last year.
02/10/23 55k points for $4k spend in 3 months. Accepted.
02/13/23 45k for $4k spend in 3 months. Accepted.
02/28/23, 55k for $4k spend in 3 months. Accepted. (data point, about $70k spend in 2022)
03/24/23 30K MR or $300 for $3K spend in 3 months, Declined
03/28/23 30K points for $3k spend in 3 months. Declined, for now.
04/04/23 20K points for $3K spend in 3 months. Accepted.
04/08/23 30K points for $3k spend in 3 months. Accepted.
04/15/23 30K points for $3k spend in 3 months. Accepted
04/15/23 25K points for downgrading to Gold and $1K spend. Otherwise no offers. Accepted.
05/08/23 30K points for $3k spend in 3 months. Accepted.
07/05/23 30K points for $3k spend in 3 months. Accepted.
07/09/23 55K points OR $550 statement credit, for $4k spend in 3 months. Declined in favor of a product change.
09/22/23 50K points for $4k spend in 3 months. Accepted.
09/1/23 No offer pay annual fee at 1 cent a point. 9/29/23 no offer, 10/9 25K on $3K spend- accepted
10/20/23 25K points for $3k spend in 3 months. Accepted.
10/22/23 50K points for $4k spend in 3 months. Accepted.
10/30/23 50K points or $500 statement credit for $4k spend in 3 months. Accepted (points)

Platinum, personal, Charles Schwab
2/25/23 55k pts after 4k spend in 3 mo. Accepted

Platinum, personal, Morgan Stanley
07/20/23 15,000 Membership Rewards® points after you spend $3,000 in 3 months. Accepted.
08/17/23 50,000 Membership Rewards® points after you spend $4,000 in 3 months. Accepted

Platinum, business
01/05/23 40k points for $10K spend in 3 months. Declined.
01/09/23 40k points for $10k spend in 3 months. Declined.
01/09/23 40K points for $10K spend in 3 months. Accepted
01/16/23 40k points for $10k spend in 3 months. Declined. Accepted $100 statement credit with no spend.
01/19/23 40k points for $10k spend in 3 months (92 days). Declined.
01/24/23 35K points or $350 stmt credit for $5K spend in 3 months. Accepted the 35K points version
01/31/23 40k points for $10k spend in 3 months (92 days). Declined.
03/01/23 70k points for $5k spend in 92 days or $350 loyalty statement credit for $5k in 92 days. Card only open for a year, only one charge of $16k.Accepted
03/9/23 40k points for $10k spend in 3 months (92 days). Declined.
03/9/23 35K points for $5K spend in 92 days. Accepted. Spend in 2022 was just under 12K.
03/30/23 40k points for $10k spend in 3 months or $100 statement credit (no spend). Declined both.
06/20/23 70K points for $5k spend in 3 month - accepted
07/20/23 20K points for $20k spend in 6 months - umm yeah
11/09/23 35k points for $5k spend in 90 days. Accepted. Spend in 2023 just under $5k. Agent stated that she has not seen this one in "a long time" - have mostly been the $20kpts/$20k spend.
11/10/23 20K points for $20k spend in 6 months -Declined
11/10/23 20K points for $20k spend in 6 months -Declined
12/27/23 20k points for $20k spend in 6 months -Declined. I asked if there's a 10k offer since I like the card but no luck.
01/02/24 40k points for $30k spend in 6 months. Declined. (added for prpilot17)

Gold, personal
01/02/23 - 20k MR for $2k spend in 3 months. Accepted
04/20/23 - 15k points for $2k spend in 3 months or $100 statement credit after $1,500 spend. Accepted 15k-points offer.
05/10/2023 - 20k MR for $2k spend in 3 months. Accepted.
07/06/2023 - 20K MR for $2k spend in 3 months. Accepted.
09/27/2023 - 10k MR for $2k spend in 3 months. Accepted. ($20k spend in the last 12 months on card, first retention request, request made months after paying second renewal)

Gold, business
6/16 - 35k MR for $5k spend in 3 month - declined
7/14 - 35k MR for $5k spend in 92 days - Accepted

Green, personal
01/06/23 15k points for $2k spend in 3 months. Declined.
7/10/23 15k points for $2k spend in 3 months. Accepted.
7/17/23 10k points for $1k spend in 3 months. Accepted.

Green, business


Delta Reserve, personal

Delta Platinum, personal
01/06/23 30k skymiles for $0 spend. Accepted.

Delta Platinum Business

07/25/23 25K miles after $5K spend. Accepted
09/14/23 25K miles after $5K spend in 3mo. Accepted
11/24/23 10k miles after $3k spend. Rejected and card cancelled on request after over 20 years of consistent $40-$50 annual spend.

Delta Gold, personal

Hilton Surpass

Hilton Aspire
02/08/23 10k points or $50 statement credit for $1K spend in 3 months. Accepted.
03/23/23 10k points for $1K spend in 3 months. Accepted.
05/17/23 10k points for $1K spend in 3 months. Accepted.
05/23/23 10k points for $1K spend in 3 months. Declined
10/25/23 60K points for $3K spend in 3 months. Accepted


Hilton Business


Marriott Bonvoy (discontinued personal card converted from Starwood)

12/12/23 no spend, no offer , have had the card 25 years.

Marriott Bonvoy Bevy

Marriott Bonvoy Brilliant
9/13/23 1. 80,000 points for $3k spend in 3 months or 2x 50,000 Free Night Award for $3k spend in 3 months or $450 statement credit for $3k spend in 3 months

Marriott Bonvoy Business
02/14/23 30,000 Bonvoy Points for $5k spend within 92 days. Accepted.