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Good news if you lost American Express cashback because the merchant used a payment aggregator

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Regular readers may remember the strange case of the recent American Express cashback offer with watch manufacturer Bremont.

Many cardholders were given a very attractive offer of £400 cashback on a £500+ purchase if they used their American Express card.  Given the price of Bremont watches, this was not as generous as it sounds but that is beside the point ….

Readers who took up the offer at Bremont stores in London had no problems.  The cashback appeared quickly as promised.  However, readers who ordered online did NOT get their money.

This is because Bremont was processing online orders via a third party payment aggregator.  The ‘merchant’, as far as Amex was concerned, was the payment aggregator, not Bremont.

Purchases handled by payment aggregators such as iZettle and Stripe are blocked from Amex cashback transactions because the Amex IT system does not know who the underlying merchant is.  The rules of the cashback deals always contain this line:

“Offer does not apply to spend on other Cards you might hold and is not valid for transactions made using Payment Aggregators.”

However, American Express had specifically said on their website that purchases on the Bremont website WOULD qualify.

These two statements were contradictory but – as the customer had no way, at all, of knowing in advance that Bremont used a payment aggregator – the latter claim, that purchases via the Bremont website DID count, would clearly seem the overriding one.

Bremont American Express cashback problems

This problem has now reared its head again.

A reader got in touch to say that he had been targetted with an American Express cashback offer of 15% back at mattress retailer Brook & Wild.  You may have this deal yourself as it is still active.

You can guess what happened …..

The reader made a sizeable purchase with Brook & Wild …

… after reading on the ‘Offers’ page of the Amex website that website purchases counted for cashback ….

… which was processed by Brook & Wild using the Stripe payment processing system …

… which is what appears on the reader’s Amex statement …

… and so American Express has not paid the 15% cashback

American Express suggested that the reader contact Brook & Wild and ask them to refund the original payment and process the transaction again directly.  Brook & Wilde responded by saying that Stripe is their ONLY online payment processing method.  This means that this American Express cashback offer is totally unusable, according to the rules.

But there is some good news ….

I raised this issue with American Express this week.  This is that they told me:

“I …. can confirm that we always honour all cashback offers. When payments are made through an aggregator, the cashback takes a little longer to process. We’re currently processing the Bremont ‘spend £500, get £400’ cashback transactions for purchases that were made via an aggregator.

With regard to Brook and Wild, again, these payments were made via an aggregator, so will take longer to process. But again, Cardmembers can expect their cashback to appear within the 90 day period outlined in the T&Cs.”

The Bremont offer is actually now over the 90 day period outlined in the T&C’s (it ended on 16th June so all cashback should have been credited by mid September) but I will give American Express the benefit of the doubt for now.

The good news is that we have it in writing that Amex is ignoring the part of its rules which involve payment aggregators, at least on the merchant side (I still think they would refuse to pay up if you used PayPal to order, linked to your Amex).

The bad news is that you may well have to wait the full 90 days from the end of the offer – which could be five months or more from when you made your purchase – to get your cashback.  But it will come ….

PS.  If you missed it, take a look at our recent article on the top 10 reasons why I think you should get an American Express Preferred Rewards Gold credit card.

Want to earn more points from credit cards? – December 2023 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

SPECIAL OFFER: Until 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.

SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

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Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

American Express Business Platinum

40,000 points bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback and no annual fee Read our full review

Comments (69)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Nathaniel says:

    Anyone know how to redeem the one “properly?”

    My FT account is linked to Google account, so payment options shown was just whatever was in my Google Pay wallet (I didn’t see anywhere to punch in card details directly).. So I picked an Amex with the £25 back from £30 spend. Think it has appeared as a pending transaction with the name “Google Services”

  • Polly says:

    If you get one! I haven’t got one from yesterday. Had spend 30 get 10 bk.
    Also never get them anymore fm Morrisons, but they do track.

  • lee says:

    Virgin clubhouse to open at Manchester airport

    • Lady London says:

      If that investment was approved, does it mean Delta is going to fly a lot more out of there soon?

  • Nick_C says:

    OT – Natwest Rewards CC – does this work OK with Curve for “Business Services” transactions, or do NatWest treat this as a cash advance?

  • Corin says:

    OT, apologies if this has been asked many times and that it’s in the wrong place….
    I have an amex gold just coming to the end of it’s first year, hubby can’t re-apply til late next year. We used to churn the golds every year 🙁 Which card should I apply for next ? looking for a free card/avios earning … thank you for any help.

    • Rob says:

      BAPP if you’ve not had a BA card for 2 years?

      • Corin says:

        had a BA card sitting dormant until a couple of months ago unfortunately, guess I may have to stick with the Tesco CC ?

    • Benylin says:

      You can try HSBC premier credit card if you are eligible (need a HSBC Premier current account first), earning rate 0.5 avios per £1 on the free credit card, double that on paid one.

      • Bonglim says:

        Did your hubby have a BA card. If not suggest BA PP card for him (must be the paid for card).

        I am +1 for HSBC world elite if you meet the requirements. Opening a HSBC premier current account seems like a pain but I think it is worth it. I like it because it has a pretty good earning rate and importantly seems to work really well with Curve and Revolut. For me that means
        – Points where amex is not taken and I need a MasterCard
        – Points where they only accept a debit card
        – Excellent value for paying tax bills
        – As some people have suggested it is good to use ‘alongside’ an Amex card. I suspect some people disapprove of that use.

        Does anyone else know good alternatives to Revolut or Curve which match well with HSBC premier CCs. (as hitting the annual limits soon)

        • iamfugly says:

          I did not think there was an annual Revolut top up limit. There are limits if you link a new card, but over time with a top up history, the amount increases and is only limited to the credit limit of your credit card. There are daily limits on transfers out to bank accounts though.

        • Polly says:

          With you all the way there with that advice, on every point.
          Hope people catch our drift. Very useful for paying bills.
          We will upgrade again bk to elite once my last year of Plat is complete next year. And buy an excess car hire policy each. Shame really, but just cannot justify that increased fee.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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