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Using American Express Premier Rewards for Decorating

Decorating Your Home with American Express Premier Rewards Card

Williams-Sonoma Home Lamp

Williams-Sonoma Home Lamp

 

American Express Premiere Rewards Gold Card 

Who doesn’t love to decorate?  Okay, yes, there are some people out there that really despise the task (I live with one of them).  However, if you can earn points with a charge card for items you would buy anyway, and subsequently use them for purchases to improve your living — why not?  Ironically, my husband introduced me to this card a few years back.  For a while I only used my points for restaurants and clothes until one day I realized I would much prefer items that would last longer than a meal or season.   The possibilities were endless:  A new set of dishes or knives from Williams Sonoma?  A Restoration Hardware floor lamp or linen drapes for the family room from Pottery Barn?  Bright, colorful PB Kids bedding for one of the children’s rooms?  A near-perfect crystal vase or bowl from Tiffany’s?  Too many purchasing choices, and not enough points!

Soon I was using my card for tedious purchases I had to make anyway, like paying for groceries, plumbing repairs or a new hybrid heat pump for our home that yields nothing to the aesthetics of decorating, yet one of those essential Maslow’s hierarchy of needs that can’t be ignored.  Previously I paid cash for everything, and although it doesn’t create any credit card debt, I need to spend the money anyway on our everyday necessary expenses, so it’s better to benefit from the purchases with points and gift cards then just paying cash and receiving nothing more.

The American Express Premier Rewards charge card is not a credit card and there are no interest charges because you pay your bill in full every month.  That aside, there is an annual fee of $175 with this card for the first user and $35 for each additional family member, up to five people.  So, it’s only worth it if you are going to use it and reap lots of rewards.

 

American Express Gold Card

 

How You Earn Points

You can use your card for everyday purchases.  The values assigned to purchases are the following:

  • 3x points for flights booked directly with airlines
  • 2x points at US gas stations
  • 2X points at US supermarkets
  • 1x points for all other purchase
  • 10,000 points equals one $100 gift card, unless it’s on sale (different cards go on sale throughout the year).
  • Points have no expiration date
  • Card has other benefits that can be found here: Premier Rewards Gold Card

Note:   Amex will change their points June 1, 2015 so that dining earns 2x points.  They are also adding a $100 incidental airline credit that may be used for baggage fees, on-flight meals and other incidentals.  (The fee is increasing by $20 in June to $195).

 

Pottery Barn Maren Persian Rug

Pottery Barn Maren Persian Rug

 

American Express Premier Gold Card offers the following gift cards for decorating:

  • Saks Fifth Avenue
  • Pottery Barn
  • Pottery Barn Kids
  • Pottery Barn Teens
  • Williams Sonoma (Can be used at Williams-Sonoma Home)
  • Restoration Hardware
  • Home Depot
  • Crate & Barrel
  • Neiman Marcus
  • One Kings Lane
  • Tiffany & Co
  • West Elm
  • American Express Visa (can be used most anywhere).

 

Electronic E-Gift Cards or Traditional Gift Cards Available

  • You usually receive your eGift Card within a few minutes, though American Express states it can take up to 3 hours
  • If you choose an eGift Card you will receive an email with instructions along with a link allowing you to access and print your gift card.  Once you download the pdf you can use it immediately in store, online or over the phone.
  • Traditional gift cards are available for order, they usually take about a week to arrive (AmEx pays for shipping).  Use just like any other gift card.

 

How I Used My AmEx Card & Bought Pottery Barn Chandeliers for More Than 1/2 Off:

Pottery Barn Mia Faceted Crystal Pendant Chandelier

Pottery Barn Mia Faceted Crystal Pendant Chandelier

I use my AmEx card for everyday items I would buy anyway, such as shopping at Costco, Target, gas for my Odyssey, home repairs, airline tickets, hotel charges, restaurants, educational and other expenses.   We budget for purchases and at the end of the month when we receive the bill, I pay it off.  Overtime I acquire points and use them for items from Williams-Sonoma, Pottery Barn & PB Kids, and more.

Using Points for Chandeliers

Using Points for Chandeliers

Pottery Barn Adele Crystal Chandelier

Pottery Barn Adele Crystal Chandelier

I picked out two chandeliers, one full price for $399 and another on sale for $249.  For the $399 chandelier, I used a limited time Pottery Barn promotional code I found on their website for 10% off the full price of any item not already on sale.  This brought the price of the chandelier down to $360.  Then I used two $100 gift cards and brought the price down to $160.  The second lighting fixture was on sale from $249 to $189 and I used one $150 gift card bringing the price down to $39.00.  Because the second chandelier was on sale I was unable to use the additional 10% off promotional code that I used with the first one.

It’s near impossible to run out of ideas when decorating with points and gift cards.  Throughout the year, American Express holds various promotions with certain gift cards 30% off — this is a good time to stock up on e or traditional gift cards if you happen to have the points.  Last year they held a Pottery Barn promotion at 30% off, so instead of 10,000 points for a $100 gift card, it was 7,000 points.  If you prefer not to use gift cards, American Express also allows users to purchase various home and other items through their Rewards program on their website.  You can use points to purchase items directly from their website sans gift cards.  I’ve also been told by an AmEx customer service rep that you can transfer points with Amazon, though I haven’t verified this yet.

For additional information or to apply for the American Express Gold Premiere Card please visit their website.

And for those of you who want to decorate your home with books, American Express also offers Barnes and Noble gift cards.  Copious piles of books are yours for the taking… (unless, of course, you prefer virtual ones — Kindle and EPUB books are great for reading but terrible for decorating).

Barnes & Noble Gift Card

Barnes & Noble Gift Card

 

 

 

 

 

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