One of the long-running benefits of the American Express Business Platinum card has been bi-annual $200 credits for Dell purchases. Hated by some, loved by others (including me), these were fairly easy to use, essentially providing $400 in free stuff from Dell each year. If you use buying groups, that $400 was almost as good as cash, as you could apply it towards computers or other merchandise that could then be sold.
We’ve assumed that changes have been coming to this benefit for some time. Amex originally had it scheduled to end on 12/31/24, then extended it to 6/30/25 at the last minute.
Today, Amex announced that, starting 7/1/25, the Dell benefit will indeed be changing. Instead of $200 every six months, it will be $150 for the entire year, then an additional $1000 if you complete a total of $5,000 in Dell purchases during the calendar year. Amex will also be changing the Business Platinum’s Adobe benefit, moving from $150 annually to $250 off of a minimum $600 in purchases during the calendar year.
What’s Happening
- American Express will be making the following changes to the Business Platinum card’s Dell and Adobe credits:
- Effective July 1, 2025, enrolled Business Platinum Card Members can get up to $150 in statement credits annually on U.S. purchases made directly with Dell and an additional $1,000 statement credit after they spend $5,000 or those purchases from July 1-Dec 31, 2025 (and for each calendar year after), totaling up to $1,150 in Dell statement credits.
- Enrolled Business Platinum Card Members can get a $250 statement credit after they spend $600 or more on U.S. purchases made directly with Adobe from July 1-Dec 31, 2025 (and for each calendar year after).
Quick Thoughts
Amex’s coupon-booking grows more extreme by the day. For the vast majority of Business Platinum customers, both of these changes will be unequivocally negative: you’re going to lose over half of your yearly Dell credits and now have to spend $600 with Adobe to get anything at all.
For those that already spend $600/year at Adobe or $5K/year at Dell, the new system will be a godsend, providing an additional $850 in savings (which I’m sure is how Amex marketing will account for it).
I easily spend $5,000/year at Dell through buying group activity, but I also currently have seven Business Platinum cards. Those previously represented $2,800/year at almost 100% cash value when spread across my annual Dell purchases, but now that’s shaved down to $1,050. I doubt that I’d be able to hit the $5K trigger on more than 2-3, but I’m intrigued at the possibilities, especially when combined with the frequent 10-20x Dell offers via shopping portals. Concentrating spending on a smaller amount of cards has the potential to yield very good returns.
However, for everyone else in the normal world, this news is a downer….although a potential silver lining may be the annual hours saved trying to find something useful to buy on Dell.
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