1 week left until Small Business Saturday! It’s still not too late to apply for new primary and additional user cards, just call to request that they be expedited!
Originally posted on 11/17:
Related SBS posts:
-Are You Ready For Small Business Saturday? Where Will You Be Shopping? Plus A Roundup Of Fees For Additional User Cards.
-Get A Free Small Business Saturday Welcome Mat, Tote Bags, And Stickers For Your Business
-AMEX Small Business Saturday Will Return 11/29/14; 3x Better Than The 2013 Version!
-Small Business Saturday Registration Now Open!
Related credit card FAQ post:
-Building Credit And Credit Card FAQs: Your Questions Answered
American Express is a DansDeals.com advertiser.
Q: What is Small Business Saturday and who is paying for it?
A: For the past 5 years on the Saturday after Black Friday AMEX has sponsored SBS. Every year the promo varies but this year you can use your card at a small business in the USA, up to 3 times for $10 or more per swipe, and you will be refunded the money by AMEX. You must spend at least $10 per transaction to receive a refund. You can make 3 swipes for every card that you have.
SBS is paid for by American Express and other corporate sponsors. Merchants get paid the full amount for purchases.
Q: How can AMEX afford to do this?
A: Even if 500,000 cards participate and maximize the promo, it only costs $15 million. That’s a tiny drop in the bucket for a company worth $100 billion and SBS creates tons of positive PR for the company. Additionally there are other corporate sponsors of SBS.
It also gets more costumers asking merchants to accept AMEX so that they can use their cards on SBS.
Q: How long does the refund take?
A: Typically it posts within a few days. Sometimes it falls in between the cracks and the refund can take up to 90 days per the terms.
Q: Can I use my American Express consumer card ?
Q: Can I use my American Express business card ?
A: If it says business, yes.
Q: Can I use my American Express corporate card ?
A: If it says corporate, no.
Q: Can I use my American Express prepaid card ?
A: If it says Serve or Bluebird, yes.
If it says anything else, no.
Q: Can I use my American Express card if it’s issued by Citibank, Macy’s, or another bank?
A: Yes. However if the refund doesn’t process automatically for any reason it will be very tough to have it honored. Whereas cards that are actually issued by AMEX will be easy to get a manual refund on.
Q: Can I use primary and secondary cards from the same account?
A: If your cards have different accounts numbers on them, yes.
If your cards have the same accounts numbers on them, no.
It’s fairly simple, all AMEX issued secondary cards have their own account numbers and do qualify. Secondary Bluebird and Serve cards also have their own account numbers and do qualify.
Secondary AMEX cards issued by other banks like Citi and Macy’s have the same account numbers, and therefore don’t qualify.
Q: How many secondary cards can I have?
A: Officially up to 99, but trying to add 99 cards to your account is a red flag and can trigger a financial review where you must submit your tax returns or else your accounts will be shut down. Some people have been shut down adding fake names as secondary users on their account.
Serve and Bluebird cards allow a max of 4 secondary users per account.
Q: How many secondary cards can I add safely?
A: Pigs get fat, hogs get slaughtered. YMMV.
Q: Do I need to give a social to add an additional user?
A: To add it online, yes.
To add it over the phone you can say that you don’t have the information handy and most reps will allow you to open it.
Q: Can you add yourself as a secondary user on your own account?
Q: What are the credit effects of secondary user cards?
A: The credit of the secondary user won’t affect the primary user. However the secondary user can be affected positively or negatively by the account that they are added to, based on how the primary card is utilized. Even if you don’t provide a social security number the credit bureaus may be able to link an account to one’s credit report. You can always close a secondary card and have it removed from a report if desired.
Q: How old does an additional user have to be?
Q: Do you need to activate your additional user cards to use them?
A: Generally speaking, no. However Serve and Bluebird cards do need to be activated.
Q: Do you need to add funds to your Serve and Bluebird cards to make purchases on SBS?
A: Prepaid cards need funds to make purchases.
Q: Where do I register for Small Business Saturday?
Q: Is there any way to not have to manually fill out the form each time.
A: I used Autofill Forms for Firefox and it worked like a charm. You can create profiles of each of your users so that with one click it will fill in the name and email addresses.
Q: How do I know if I’m registered?
A: You should get an email confirmation. You can also login to your AMEX account and look under “AMEX Offers for you” to check for confirmation in the “My Offers” tab.
Q: Will registration fill up?
A: Most years it doesn’t, but it did fill up completely on at least one occasion, so don’t procrastinate.
Q: Can I swipe 3 times in the same business?
Depending on the processor used by the business, duplicate transaction of $10 may not be approved. If a duplicate $10 charge is rejected just try it again for $10.01 before resorting to calling the number on the back of the card.
Q: Can I make purchases online?
Q: Do I need to swipe the card or can it be keyed in?
A: It can be keyed in or swiped.
Q: How do I know which businesses qualify?
A: The easiest way to know is if a business is on the small business map.
However just because a business isn’t on the map doesn’t mean it won’t work. As long as the business isn’t part of a major chain or processing mega sums of money it will still work. I’ve used it at stores not on the map in the past without issue, but realize there’s no guarantee.
Q: Will charities qualify?
A: If they’re on the map, sure.
If they’re not on the map, they will probably work anyway, but there’s no guarantee.
Q: Will I get an immediate email confirmation after swiping my card?
A: Technically you should. If you do then you’re good to go.
However often times AMEX gets backed up and doesn’t send out a confirmation, so don’t sweat it if you don’t get a confirmation email.
Q: Can I still add an additional user card for SBS.
A: Yes, turnaround time is about a week.
Q: Can I still participate if I don’t have an AMEX yet?
A: Sure. You can apply for a card now and request for it to be sent to you overnight. You can also apply for additional user cards at the time of the application.
Sample Consumer cards include:
-Starwood Preferred Guest® Credit Card from American Express (10K Starpoints for spending $1 plus another 15K bonus Starpoints for spending $5K in 6 months. 25% point bonus for transfers to airlines in 20K increments. $65 annual fee waived for first year. No fee for additional cardholders.)
-The Amex EveryDay Credit Card from American Express (10K AMEX MR points plus a free year of Amazon Prime for spending $1,000 in 3 months. 20% point bonus for making 20 transactions per month for an effective 2.4 points per dollar on groceries and Uber and 1.2 points per dollar elsewhere. No annual fee. No fee for additional cardholders.)
-The Amex EveryDay Preferred Credit Card from American Express (15K AMEX MR points plus a free year of Amazon Prime for spending $1,000 in 3 months. 50% point bonus for making 30 transactions per month for an effective 4.5 points per dollar on groceries, 3 points per dollar on gas and Uber and 1.5 points per dollar elsewhere. $95 annual fee. No fee for additional cardholders.)
-American Express® Premier Rewards Gold Card (25K AMEX MR points for spending $2,000 in 3 months. 3 points per dollar on airfare and 2 points per dollar on gas and groceries. $175 annual fee waived for first year. 5 free additional cardholders are free, 6+ additional cards cost $35/year each.)
-Platinum Card® from American Express (40K AMEX MR points for spending $3,000 in 3 months. Free Starwood gold elite status for discounted paid and award stays. Free Centurion lounge access, Delta lounge access, Airspace lounge access, and Priority Club lounge access. $200 cash back in airline fee refunds per calendar year ($400 cash back in refunds during first cardmembership year). Free TSA PreCheck or Global Entry membership. Free insurance for any items bought on credit card and lost within 90 days. No foreign exchange fees. $450 annual fee. 3 additional cardholders for a flat $175 fee ($58.33/year each) which includes full lounge access and free TSA PreCheck or Global Entry membership. 4+ additional cards cost $175/year each)
-Gold Delta SkyMiles® Credit Card from American Express (30K Delta miles for spending $1,000 in 3 months. $50 cash back for making a purchase with Delta within 3 months. No foreign exchange fees. $95 annual fee waived for first year. No fee for additional cardholders.)
-Blue Cash Everyday® Card from American Express ($50 cash back plus a free year of Amazon Prime for spending $1,000 in 3 months. 3% cash back on groceries, 2% cash back on gas and department stores, no annual fee. No fee for additional cardholders.)
-Blue Cash Preferred® Card from American Express ($100 cash back plus a free year of Amazon Prime for spending $1,000 in 3 months. 6% cash back on groceries, 3% cash back on gas and department stores, $75 annual fee. No fee for additional cardholders.)
-TrueEarnings® Card from Costco and American Express (3% cash back on gas, 2% cash back on travel and restaurants, no annual fee. No fee for additional cardholders.)
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