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When Amex has a hotel cashback offer – e.g. spend £250. Does the £250 include the 2.99% foreign currency loading and unfavourable Amex exchange rate?
e.g. In that example, do you actually need to spend €299 at the prevailing rate to trigger cashback?
Or is €285-ish enough, because that would convert onto your bill at over £250?Usually fees are excluded.
From my understanding, it’s the latter. The £ you see after conversion is what you’ll get the cashback/credit on. This is based off the Platinum abroad dining credits which are said to include the fees?
I agree with Maples, i believe its on the full amount including fx fee. Amex doesnt break out the fee part and charges it as one amount. Obviously it might have the breakdown at the back end.
I would spend about €295 or so to be safe, don’t want to be short by a few pence.
Alternatively for cumulative offers spend the foreign part first and then you will know exactly how many GBP you need left
The fees are excluded.
I’ve had emails from readers before who thought they’d spent enough but actually hadn’t.
You need to be at £258 to be sure.
OK thanks all… I guess I’ll book myself a nicer room, then! 😆
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