Missing Amex Offer credit: work out your chase date from purchase and end dates

A missing Amex Offer credit may simply be late. Amex says a credit can take up to 90 days from the offer end date, not from your purchase. Note three dates: when you met the spend requirement, the offer end date, and the end date plus 90 days. Run the checks below now. The Amex Offers page says to call if the first six checks pass and the credit is still missing after that third date.

What Amex says about timing, and why the windows don’t conflict

• Five business days from meeting the spend requirement. The UK Amex Offers page says credits “should be credited” in this time.
• 30 days from the qualifying purchase. The Offers Programme Terms (last modified 12 February 2026) give this as the default “unless otherwise disclosed in the Offer Terms”. They add that it “could take longer”.
• Up to 90 days from the offer end date. The same Offers page says a credit “can take up to 90 days” from the end date.

These windows sit inside one another. Five business days is the usual case, 30 days is the programme default that can run longer, and 90 days after the end date is the outer limit. A credit missing on day 31 is still inside that limit.

Your specific offer’s terms can change this. Where they are inconsistent with the programme terms, the Offer Terms apply, so check them before relying on these defaults.

Worked example: one purchase and a cumulative offer

The example uses a hypothetical offer ending 30 November 2026, not a live offer. I’ve made two assumptions. Business days are UK working days (Monday to Friday, excluding bank holidays), and the 90 days are calendar days counted from the day after the end date.

Single purchase: one qualifying purchase on Tuesday 3 November.
Cumulative offer: a first purchase on 3 November, then a second on Friday 20 November that takes the total over the threshold. Amex confirms that some offers need a single purchase and others a minimum total across one or more transactions.

Window	Single purchase	Cumulative offer
Five working days after the requirement is met	Tue 10 Nov 2026	Fri 27 Nov 2026
30 days from the purchase	3 Dec 2026	20 Dec 2026 (from the purchase that crossed the threshold)
90 days after the end date	28 Feb 2027	28 Feb 2027

For the cumulative offer, I’ve started the five-day count at the threshold-crossing purchase, my reading of “meeting the offer spend requirement”. The terms refer only to “the date you made a Qualifying Purchase”, so I’ve cautiously used the later purchase for the 30-day count too.

The 90-day date depends only on the end date, so both buyers share it. Count from your own offer’s end date.

Why some credits legitimately run late

The 30-day default depends on Amex receiving timely purchase information from the merchant by the offer end date. The terms note that Amex may not hear about a purchase until the items or services have been shipped or provided. They also say a transaction will not qualify if Amex does not receive information identifying it as a qualifying purchase. So if your order ships, or the service is provided, after the end date, ask Amex how the purchase will be treated rather than waiting out the 90 days.

Before you call: checks to run while you wait

A failed check usually means waiting won’t help. Checks 1 to 6 come from the Amex Offers page; the rest come from the programme terms.

1. You saved the offer before you bought.
2. You paid with the same card you saved it to.
3. You met the purchase amount or number of purchases in the Offer Terms. Check the total, not just the last transaction.
4. You bought before the offer expired. The terms set the cut-off at 11:59pm GMT on the expiry date, or 12:59am BST the following day, as applicable.
5. You bought through an eligible channel or at a participating location. Check the offer’s own terms for online-only, in-store-only or location restrictions.
6. You haven’t returned or cancelled the purchase. A return can lead to a reversed credit.
7. The merchant name on your statement looks like the merchant itself. The terms say purchases made through payment facilitators, resellers, delivery services or other intermediaries may not be recognised as qualifying.
8. Your account is active and not overdue or otherwise restricted. The terms say this must be true when the credit is issued.
9. If you were sent a replacement card after fraud, check whether you needed to save the offer again to the new card.

When and how to contact Amex

If the first six checks pass and the credit is still missing once the 90 days after the end date have passed, the Offers page tells you to call the number on the back of your card. In the example, that is from 1 March 2027.

The programme terms also list Live Chat, the Amex App and phone for Offers questions. If a check above turns up a problem, you may want to raise it before the 90-day point.

Have these ready: the offer name and end date, the card’s last digits, the date you saved the offer if known, each purchase date and amount, and the merchant name exactly as it appears on your statement. Both Amex pages may change, so recheck them before relying on these dates.