Sweet Stacking Results with the new Amex Business Platinum Dell $200 yearly credit!

René’s Points for Better Travel has partnered with CardRatings for our coverage of credit card products. René’s Points for Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our advertising policy, visit visit this page.

This looks good!

One of my all time favorite ever travel cards for years and years has been the non-Delta Amex Business Platinum card (learn more about this card and also about  business cards). From earning full Delta points when you book with membership rewards (and get a rebate as well after the flights) to Sky Club access the day you fly Delta to Centurion Lounge access as well. Lastly, it is simple to get $200 in travel credits each year lowering the net cost to hold the card for all the perks. But my unbridled love has begun to fade a bit. Why?

  • Lastly, and the this one is a YUUUGGGGEEEE one, they are this year bumping the fee up from a reasonable $450 per year to a massive $595 per year – ugg. That is high enough to consider canceling the card. But then they added one nice perk back (if you register first) that is $200 in yearly Dell credits for buying on Dell.com paid $100 credit the first 6 months of the year and $100 the last 6 months of the year (registration link, if you have the card, is here). In theory, this perk alone if used right could offset the big jump in yearly fee.

With stacking, this could work out really nice since Dell sells lots of non-Dell technology I do use and need each year. Here is how I intend to max it out and the tested results. First I registered my card for the yearly promo.

More cash back? Yes please!

Next up, I looked to see if I had on my non-Delta Amex Business Platinum card (learn more about this card)  and “Amex Offers for You” and found the current 10% off up to $1500 in spend. I expected this would stack with the new yearly card benefit.

E-Mail for you sir!

After my purchase I did get the automated Amex email that I had used my Dell offer and now it was just wait for the credit.

12% MORE cash back? Yes please!

Oh, clearly I started at TopCashBack to allow them to send me over to Dell.com. Currently, as of this post, they are “only” offering 4% cash back but the day I did my buy they had a 12% Dell promotion (they have had even higher ones so just keep checking).

Dell dollars? Why not!

The next stacking in this deal is I did register for the Dell loyalty rewards dollars program as well. This is not an amazing perk and has limited time to spend but why not take the free perk even if you do not use it.

So far – love this Dell offer / deal!

So how did it all wash out in the end? I did get the $9.63 Amex offer, I also got full $96.29 credit including tax for the purchase for the biyearly card perk, I will get $10.80 from TopCashBack and lastly $2.70 in the form of a Dell credit. Net result is a brand new free and fast wifi router is in my home and I was paid over $20 for the purchase via stacking. Oh and I also earned 96 membership rewards points worth at least $0.96 so there is that as well! 😉

Bottom line is Amex, by paying me to keep the card, has motivated me at least for 2019 to hang on to the card yet one more year. What about 2020? Amex better be as good to me then as they are now or I will be having this same cancel or keep discussion again! – René




  1. The problem with the Amex credits is that:

    1. You prepay for a good or a service from a particular merchant
    2. Which then induces you into buying something you may not need or want
    3. From a merchant which may or may not have the lowest price.

    This is why I generally value them at 50 percent of face.

    I would value of the 1st year Biz platinum package at no more than $400, especially given that many of the discounts mentioned are available regardless of whether one has the Biz Plat.

  2. @Steve – The price for the router I purchased was close to that from Amazon and others (yes, a few bucks more but not by much). I needed the item I was going to buy so would have had to pay for it anyway. But even with your math you are net paying $195 for Sky Club access when you fly Delta. Not a bad price if you use it for that alone.

  3. Great tip Rene. I too struggle with whether to keep this card or not, as I already hold the Personal Plat, (cheaper to add authorized users who also get all the perks). But this is $200 of savings for which I will have no problem taking advantage. With that and the $200 travel credit, Amex offers etc. I’ll keep it in my wallet. (Plus I like the heavy metal feel of the card)

  4. I’m a bit confused. Do you have to make two separate purchases with Dell, one during the first half of the year and the second during the second half of the year, or can you purchase $200 (or more) and then get the credits in due course?

  5. Rene, do I need to have two separate purchases, one in the first part of the year and the second in the second part of the year?

  6. Dropped this one with the new high fee and felt it was a little too many hoops to jump through. I do like having additional clubs access on the card as the Delta Club continues to descend. One example is having to pay for my wife to join the Sky Club on every layover. Why is one entry fee not good for the same day of travel? If you have two stopovers you could pay up to three fees in the same day. Crappy policy that as a Diamond member is pretty crappy.

  7. @Marcos – I agree that the old “day pass” was nice to buy (gone now). But a number of clubs one day is a reason to hold a card that gets you in free.

  8. This is awesome! I got 18% from TCB a week ago too! Can you remind us the differences with the biz and personal AMEX Plat?

  9. @Derrick – The biz has this credit (and others) while the personal has the $15×11 month and then $30×1 month (Dec) Uber credits. Also the biz has the 35% points back when you spend points to book say a Delta ticket (you earn full Delta points just like paying cash).

Leave a Reply

Your email address will not be published. Required fields are marked *