Posted by William Charles on May 4, 2015
Loyalty Programs

Published on May 4th, 2015 | by William Charles


American Express Plenti Loyalty Program Overview

American Express new multi merchant loyalty program has finally launched. Full details of the program can now be viewed at We’ve already reviewed the new Plenti Rewards from Amex card here and it’s really quite terrible. Let’s see if the actual loyalty program is any better.

The idea behind Plenti is pretty simple, you can earn Plenti points with multiple different businesses and redeem those same points at these different businesses. This means you don’t need to sign up for the loyalty program at each business to enjoy the rewards. You could make a purchase at Rite Aid and then redeem the rewards at Exxon (both participating partners). This is often known as a coalition loyalty program and they are quite popular worldwide, especially in Europe.

Plenti have put together this promotional video to explain the program as well:

Earning Points

There are four different ways to earn points with Plenti and they are as follows:

  • Plenti Partners. Present your Plenti card at any Plenti partner and you’ll earn points on eligible purchases.
  • Partner Offers. These allow you to earn Plenti points for completing certain actions or purchasing specific products.
  • Household Offers. Household offers allow you to link Plenti with other eligible supermarket store loyalty cards. When you make certain purchases you’ll receive Plenti points.
  • Shopping portal. This functions the same as any shopping portal, you’ll receive Plenti points for making purchases at specific merchants. The amount of points you’ll receive will vary merchant to merchant.

Plenti Partners

We already knew all of the participating partners that would launch with the Plenti program, but here is that list again:

  • AT&T
    • Earn 1 point for every $1 spent on eligible products and services on your monthly AT&T wireless bill. Requires paperless billing
    • Earn 1 point for every $1 spent on eligible devices, accessories, and other products at participating AT&T-owned locations
  • Exxon
    • Earn 1 point for every gallon of fuel
    • Earn 2 points for every dollar on eligible non fuel purchases
  • Macy’s
    • Earn 2 points for every $1 spent on beauty and fragrances and 1 point for every $1 spent on qualifying purchases when you pay with your Macy’s Credit Card
    • Earn 2 points for every $10 spent on beauty and fragrances and 1 point for every $10 spent on qualifying purchases with other payment methods
  • Mobil
    • Earn 1 point for every gallon of fuel
    • Earn 2 points for every dollar on eligible non fuel purchases
  • Rite Aid
    • Earn Plenti points on rotating product offers at Rite Aid
    • Receive wellness+ benefits including special pricing and store-wide discounts
  • Direct Energy
    • Earn 5,000 points when you sign up for a new qualifying energy plan
  • Enterprise/Alamo & National Car Rental
    • Earn 1 point for every $1 spent on car rental rates with Enterprise, Alamo and National. Additional fees and features not eligible
  • Hulu
    • Earn up to 1,650 points when you activate the Hulu offer and sign up for a new Hulu subscription. Stay on your Hulu plan for at least 6 months to get all 1,650 points

plenti partners

Partner Offers

Partner Offers seem a bit like a worse version of Amex Sync offers but a bit more flexible in that some don’t have a spending component. You’ll receive Plenti points for completing certain actions, for example:

  • Earn 500 Plenti points when you sign up for paperless billing
  • Earn 300 points after you spend $15 on eligible Rite Aid Brand products in a single transaction at Rite Aid or
  • Earn 200 points after you buy at least 10 gallons of fuel in a single visit at a participating Exxon or Mobil branded service station

It’s only possible to do each of these offers once.

Household Offers

household offers

Household offers really remind me other grocery apps like Snap by Groupon, ReceiptHog & Walmart Savings Catcher. Personally I don’t find much value in these offers as they are almost always for expensive branded products (e.g cleaning products) where there are cheaper unbranded solutions instead. Here are some examples of some of the current offers available:

  • 500 Plenti points when you spend $30 on any SC Johnson Home Care Products
  • 100 Plenti points when you purchase two or more Ziploc® Bags and Containers
  • 55 Plenti points when you purchase when you buy any ONE (1) Drano® product

Online Marketplace

This is similar to any other shopping portal you might be familiar with (e.g Topcashback). You basically earn a set amount of points per dollar spent, the amount of points that you earn is dependent on the shop and often changes frequently. Here are some of the offers Plenti currently has (in brackets is the top cash rate according to cashbackmonitor):

  • Macy’s 3 points per $1 (8%)
  • Sears 5 points per $1 (6% or 10 miles)
  • Vitamin World 4 points per $1 (12%)

As you can see Plenti isn’t even remotely competitive with the top site.

Redeeming Points

Points can be redeemed at Exxon, Macy’s, Mobil & Rite Aid according to their how to use points page (which seems to go back on their “points can be used at any partner” philosophy). You can redeem points for as little as 200 points and 1,000 points will give you a minimum of $10 in savings.

To redeem points you simply go to any of the redeemable points partners and scanning your card at check out. At Exxon and Mobil stations, there is a maximum of 2,500 Plenti points that can be used per purchase. 

plenti partners

Final Thoughts

Much like the Plenti credit card, this new coalition loyalty program is such a disappointment. There doesn’t seem to be any real consistency between the launch partners, some only offer partner offers, some offer spending bonuses, you can redeem points at some partners and not others.

The whole idea behind a coalition loyalty program is to make it easier for the consumer to understand and use, that way you’re able to build data about each of those loyalty cardholders and better market to them – whilst also providing a loyalty benefit.

The earning rates at participating partners is absolutely terrible, Mobil/Exxon is probably the best and that’s only effectively 1% cash back As chuck pointed out in the comments, it’s not even 1% cash back, it’s one Plenti point per gallon. Some of the partner offers (e.g enrolling in paperless statements) are decent, but that’s not enough to keep people around for long.

Household offers has been done before and in my opinion, done much better. The shopping portal isn’t even close to being competitive, you’d have to be an absolute mad man to use it. Hilariously you can even transfer American Express membership rewards points to Plenti, I thought this might be a not-terrible option for those looking to cash out their membership rewards points but you don’t even get a 1:1 exchange rate (it’s 500:400, which would make American Express membership rewards points worth 0.8 ¢ each). Before you even think about it, no you cannot transfer Plenti points to membership rewards points.

What do you think of the Plenti rewards program? Will you be signing up? Will you be using it? Please let me know in the comments below – maybe I’m being too harsh on this new program.

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Let’s see. Here’s my spend at each of these retailers per year:

AT&T: $2000/yr
Exxon-Mobil: 50 gallons a year (prefer Arco — gas is gas)
Macy’s: $100/yr
Rite Aid: $50/yr
Enterprise/Alamo & National: $600/yr
Hulu: only free trials

So add it up and that’s 2800 points per year. Or $28 in more expensive gas. So call it $25.

Am I going to go to the effort to chase 5-10 different retailers for $25???

No way.

No ****ing way.


I signed up for a card (the loyalty card, not the amex) just in case they decide to make the program actually worthwhile and/or expand their partner network.

Interestingly, the Plenti Amex has different terms and conditions than normal American Express card products.

Welcome bonus offer not available to applicants who have or have had this product.

Amex Cards:
If we identify you as currently having an American Express® Card account, you may not be eligible for this welcome bonus offer. This offer is also not available to applicants who have or have had this product.

Rest assured, you will definitely qualify for the $25 monopoly money sign up bonus if you’re stupid enough to waste a credit pull on this terrible card. At least it looks pretty, right?


The Exxon/Mobil is much less than 1% back because it’s 1 point per GALLON, not per $1. Of course, it could be more if you have a Partner Offer available.

Also worth noting that there is a 100 point ($1) signup bonus if you signup through the Exxon landing page.


Hey, if you really like Exxon/Mobil then BE SURE TO STACK WITH UPROMISE!!! 1 cent+ 1 point a gallon! Or, you know, go across the street to the non Exxon-station where the gas is 10 cents less a gallon.


[…] Macy’s (Ends Today, 5/12/15, can also earn Plenti points) […]


I tried Plenti yesterday and what a terrible experience i am having. just to sign up for the card, i had to call 3 times to their customer care. First time the customer care executive just disconnected my call after getting all relevant information. 2nd time, the call was disconnected by their system. 3rd time i was successful in activating it. But, lo, that happiness was gone soon, as i couldn’t log in to their website as my email id was not properly updated. so, again called 4th time and updated the email id and phone number, DOB. But, after logging in to their website, found that my phone number and DOB is mentioned incorrectly. Luckily i could update my phone number and address. But for updating DOB, i have to call the customer care again, which i am not gong to do. may be i will cancel my card after availing all the initial discounts.


Plenti is a scam. They cheated me out of thousands of points in their online marketplace. I would definitely NOT recommend it.



…would it be possible for you to e-mail me a detailed record of what happened to you? I’m a Wellness Ambassador at Rite Aid, and a LARGE part of my job is to assist customers with the Plenti card, but Plenti wants everything done via phone. This frustrates my customers and myself immensely.

I’m trying to get documentation from a lot of sources before blasting Plenti. I want to have my ducks in a row. Also, if you get an “e-mail undeliverable” to the address, please send to my personal e-mail:

If you don’t wish to answer, I understand.

Thank you for your time.



I signed up for Plenti at Macy’s. They activated the card, linked it to my account and told me to go online to activate the card. Fast forward 2 months I’ve been accumulating points at various Plenti partner locations but so far have neglected to finish registering online.

No surprise I lost my Plenti card. The only way to finish registering is with your actual card. But FAQs state that I could request a replacement card. Great so far.


Come to find out the morons at Macys set up my card in my husbands name. So the bitch in Plenti customer service won’t send us a replacement card.

If this would have been a credit card, I could have easily been using someone else’s card and personal info and points for 2 months now.

Plenti needs to wake the fuck up to a huge loophole in the EASY EASY way they’ve created access to customer information via their partners to commit fraud. All you need is a phone number, and viola —ACCESS.



Amex Membership Rewards site is showing a special offer for Plenti through 12/31/2016 – redeem 500 MR points for 750 Plenti points.


[…] Plenti is American Express’ coalition loyalty program, you can earn and redeem points with any of their partners. One of their partners is Hulu and reader Eric W recently pointed out that you can watch shows to earn points. Usually there is three offers and each offer earns you 200 points (worth $2), the offers expire after two weeks and are replaced by three more offers. […]


Someone has been using my plenti points and I think it’s someone at the Macy’s where I signed up! I contacted plenti 2x about this issue and it still hasn’t been solved! So someone is using my personal for a card that was supposed to be a rewards card? This is crazy don’t use this card it’s a scam


[…] See our review of the Plenti program here. […]


[…] GCW), but still an excellent deal for the current shopping season. Also, remember you can earn Plenti points at […]


[…] Plenti announced today the addition of their first entrance into grocery store loyalty by partnering with Southeastern Grocers LLC, parent company to BI-LO, Fresco y Más, Harveys and Winn-Dixie. The full roll out follows a successful Plenti launch in Harveys Supermarkets late last year. […]


Yep, Plenti is a corporate scam of Orwellian proportions.
Recently Winn Dixie in Florida joined Plenti.
I buy beer on a regular basis. After winn dixie joined Plenti the cashiers started asking for my ID card to enter my date of birth and some also scanning my ID card even though I have grey hair.
I am now shopping at another grocery store that does not ask for my ID card.
Ridiculous overreach of private information and abuse and I have a bunch of four letter words to describe them.

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