How to Max Out Dell with the Amex Business Platinum Dell Credit (Holiday 2025)

Last updated: December 24, 2025

If you have the Amex Business Platinum (or multiple Business Platinum card accounts), Dell is one of the easiest places to turn card benefits into real savings. Below is a complete, step-by-step playbook to stack:

• Amex Dell statement credits ($150 + up to $1,000 after $5,000 spend)
• Dell Rewards (3% back in rewards points; sometimes higher on monitors/accessories)
• Rakuten cash back / Membership Rewards (rate changes, but can spike during major promos)
• Dell’s Price Match (Amazon, Best Buy, Walmart, etc.)

Quick links (official pages):

• Amex + Dell benefit details (Dell official page)
• Dell Deals (Holiday Event)
• Dell Price Match & 30-Day Price Guarantee
• Dell Rewards (join / terms)
• Rakuten Signup Page – Earn $50
• Rakuten browser extension (official)

1) The Dell credit on the Amex Business Platinum: what you actually get

On an enrolled Business Platinum Card Account, you can earn up to $1,150 per calendar year in Dell statement credits:

• $150 statement credit: Up to $150 back each calendar year on eligible U.S. purchases made directly with Dell Technologies (including Dell.com).
• +$1,000 bonus statement credit: Earn an additional $1,000 after you spend $5,000 or more on that same enrolled Card Account in the calendar year.
• Important 2025 timing: For 2025, Dell’s page states the calendar year for this benefit begins 7/1/2025.
• Enrollment is required, and only purchases made after enrollment are eligible.
• Credits usually post after the transaction is received/identified by Amex; Dell’s terms note to allow 6–8 weeks.

Critical detail about having multiple cards:

Amex’s Dell benefit is per “Card Account,” not per piece of plastic. That means:

• If you have ONE Business Platinum account with multiple Employee Cards, you still have ONE $150 credit and ONE $5,000 tracker for the $1,000 bonus on that account.
• If you truly have THREE separate Business Platinum Card Accounts (e.g., different businesses / different accounts), each account can have its own $150 + $1,000 structure (once enrolled).

To verify your exact remaining credit(s), log in to your Amex account and check the benefit tracker (or call the number on the back of your card).

2) How to use 3 Business Platinum credits on one Dell order (split payment)

Dell checkout supports split payments (“use multiple payment methods”). Many shoppers use this to apply multiple card benefits to a single order. If you don’t see the option (or if it errors), Dell sales can often help place the order by phone/chat.

Simple example: use three $150 credits

Buy $450+ of eligible items on Dell.com and split the charge as $150 / $150 / $150 across three enrolled Business Platinum card accounts. Each account should then receive up to $150 back (assuming each has unused credit remaining).

Big example: trigger the $1,000 bonus credit too

If you’re planning a larger purchase, allocate at least $5,000 of the order to ONE enrolled Business Platinum Card Account to trigger the $1,000 bonus credit, then spread the rest across your other card accounts to use up to $150 on each of them.

• Example split on a $5,450 order:
• Card Account #1: $5,000 (eligible to trigger the $1,000 bonus + up to $150 base credit)
• Card Account #2: $150 (uses the $150 base credit)
• Card Account #3: $150 (uses the $150 base credit)

Result (if all credits are available): up to $1,300 in statement credits across the three accounts ($1,150 + $150 + $150), plus whatever you earn from Dell Rewards and Rakuten.

3) Stack Dell Rewards + Rakuten on top of the Amex credits

Dell Rewards (3% back)

Dell Rewards is Dell’s free loyalty program. The base earn rate is 3% back in Rewards Points on qualifying purchases, and Dell sometimes boosts certain categories (Dell notes up to 9% back is available on PC accessories and monitors for a limited time).

• Join / manage Dell Rewards

Rakuten (cash back or Membership Rewards)

Rakuten stacks on top of Dell’s price and your Amex credits. The Dell rate changes constantly.

• Today (Dec 24, 2025), Rakuten lists Dell Technologies at 2% Cash Back.
• During big promo days, Dell has been featured at much higher rates (e.g., Doctor of Credit reported Dell at 15x/15% during holiday events).
• Check today’s Rakuten Dell rate
• Install the Rakuten browser extension (recommended)

Tracking tip:

Use a clean browser session for portal tracking (disable ad blockers, don’t open extra tabs mid-checkout). If Rakuten doesn’t track, submit a missing cash back claim with your order number.

4) Check for extra Amex Offers before you buy

Amex Offers are targeted, so not everyone sees the same deal. But Dell offers show up often, and they can stack with your built-in Dell credit.

• Example of a recent targeted offer: “Spend $500, get $100 back at Dell.com” (some versions have been reported with an expiration of 1/31/2026).
• How to find/add Amex Offers (Amex official)

5) Dell Price Match: match Amazon / Best Buy / Walmart and more

Dell has two related protections: (1) a Competitor Price Match, and (2) a 30-Day Price Guarantee for price drops on Dell.com itself.

• You can request a competitor match before purchase (via chat/call) or after purchase (submit through Dell’s Order Support portal).
• Standard window is within 30 days of invoice date; Dell also advertises an extended holiday period for certain purchase dates (see Dell’s page for current dates).
• Eligible competitors (per Dell): Amazon.com, BestBuy.com, Walmart.com, Apple.com, HP.com, Lenovo.com, Newegg.com, BHPhotoVideo.com, Microcenter.com, Staples.com, OfficeDepot.com/OfficeMax.com, TigerDirect.com, Sears.com, and more.
• Exclusions are strict: no marketplace sellers (e.g., Amazon Marketplace), no membership-only pricing (e.g., Costco), no flash/doorbuster/limited-quantity prices, no clearance/Outlet items, and you can’t combine a price match with other coupons/discounts.
• Dell states the program is for individual consumers purchasing for personal use; business accounts/resellers/bulk purchases are not eligible.
• Dell Price Match policy (full details + competitor list)
• Chat with a Dell product expert (price match before purchase)
• Order Support portal (price match after purchase)

6) Exact step-by-step: combine Price Match + Rakuten + Split Payment + Amex credits

1. Enroll your Business Platinum Card Account in the Dell benefit (do this before buying).
2. Find the exact item on Dell.com and a qualifying competitor’s site (same model/specs; in stock; not a flash sale).
3. Get the price match approved (best path: chat/call Dell before you check out so they adjust the price prior to purchase).
4. Start your shopping session through Rakuten (or activate the Rakuten extension) and confirm the Dell cash back rate shows as active.
5. Log in to your Dell account with Dell Rewards enabled so you earn Rewards Points on the purchase.
6. At checkout, select the option to use multiple payment methods and allocate dollar amounts across up to three cards (e.g., $150/$150/$150, or $5,000 on one card to trigger the $1,000 bonus).
7. Place the order. Save your order confirmation and screenshots (helpful if you need to follow up on price match or portal tracking).
8. Wait for credits to post: Dell’s Amex terms say allow 6–8 weeks; Dell Rewards points typically post after shipment; Rakuten cash back usually shows as pending after purchase.

Important stacking rule: price match vs coupon codes

Dell’s policy says a matched price cannot be combined with other promotions/discounts. So: either you price match, or you use a coupon code — not both.

7) Promos to stack right now (and what to check before checkout)

Before you place the order, run this quick checklist. These are the stackable items that usually make the difference between “nice” and “insane” savings:

Dell Rewards: Create/log in to your Dell Rewards account so you earn Rewards Points on the purchase.

• Dell Rewards (join / manage)

Rakuten: Start your shopping session through Rakuten (or use the Chrome extension) for portal cash back / points.

• Rakuten Dell Technologies store page (current rate) — currently shows 2%-4% cash back on Dell Technologies.
• Rakuten browser extension (Chrome Web Store)

Amex Offers: Check each Amex login for targeted Dell offers (e.g., extra points or statement credits) and add them before checkout.

• How to find and add Amex Offers (Amex official)

Extra stack: 10% off for Dell email sign-up (new email):

If Dell is offering the email-signup coupon, you can often stack an extra 10% off before your Amex credits hit:

• Step 1: Go to Dell’s email sign-up page.
• Step 2: Use an email address that hasn’t been used for Dell marketing emails before (many people use a fresh email alias).
• Step 3: The promo code usually arrives within about 30 minutes (it can sometimes take up to an hour — check spam/promotions tabs).
• Step 4: Apply the code at checkout. Note: coupon exclusions apply, and you generally cannot combine a coupon with a Dell price match.
• Dell email sign-up page
• Dell coupon exclusions (what coupons usually don’t apply to)
• Dell Price Match & 30-Day Price Guarantee (policy)

Prices and stock can change quickly. Items marked “Temporarily out of stock” were shown as out of stock on Dell pages today.