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Microsoft currently has 6 active credit card offers available through Amex, Citi. Offer.love tracks every Microsoft offer across all major US banks and updates multiple times daily — so you always see the latest deals before they expire.

Microsoft

Spend $450 or more, earn $80 back

Amex • Added 22d ago • Expires 3/31/2026

Earn a one-time $80 statement credit after using your enrolled eligible Card to spend a minimum of $450 in one or more qualifying purchases online at microsoft.com/en-us by 3/31/2026. See terms.

By enrolling in this offer, you agree to these terms and the Amex Offers™ Program Terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.

Limit of 1 statement credit per eligible Card Member account.

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Not valid on purchases shipped outside the US. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Excludes Skype, Bing Ads, Microsoft Living Well, MS Production Studio and MS Theater. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file.

Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.

General

Amex Offers™ are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.

Privacy

By enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.

POID: KBRX:0004

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Microsoft

Spend $70 or more, earn $15 back

Amex • Added 22d ago • Expires 3/31/2026

Earn a one-time $15 statement credit after using your enrolled eligible Card to spend a minimum of $70 in one or more qualifying purchases online at microsoft.com/en-us by 3/31/2026. See terms.

By enrolling in this offer, you agree to these terms and the Amex Offers™ Program Terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.

Limit of 1 statement credit per eligible Card Member account.

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Not valid on purchases shipped outside the US. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Excludes Skype, Bing Ads, Microsoft Living Well, MS Production Studio and MS Theater. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file.

Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.

General

Amex Offers™ are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.

Privacy

By enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.

POID: KBRX:0003

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Microsoft

Spend $1,000 or more, earn $250 back

Amex • Added 22d ago • Expires 3/31/2026

Earn a one-time $250 statement credit after using your enrolled eligible Card to spend a minimum of $1,000 in one or more qualifying purchases online at microsoft.com/en-us by 3/31/2026. See terms.

By enrolling in this offer, you agree to these terms and the Amex Offers™ Program Terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.

Limit of 1 statement credit per eligible Card Member account.

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Not valid on purchases shipped outside the US. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Excludes Skype, Bing Ads, Microsoft Living Well, MS Production Studio and MS Theater. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file.

Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.

General

Amex Offers™ are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.

Privacy

By enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.

POID: KBRX:0002

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Microsoft

Spend $1,000 or more, earn $175 back

Amex • Added 22d ago • Expires 3/31/2026

Earn a one-time $175 statement credit after using your enrolled eligible Card to spend a minimum of $1,000 in one or more qualifying purchases online at microsoft.com/en-us by 3/31/2026. See terms.

By enrolling in this offer, you agree to these terms and the Amex Offers™ Program Terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to their Card and then use same enrolled Card for qualifying purchases. Any Cards issued outside of the US are not eligible. Only Card Members who enroll are eligible; offers are non-transferable.

Limit of 1 statement credit per eligible Card Member account.

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Not valid on purchases shipped outside the US. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Excludes Skype, Bing Ads, Microsoft Living Well, MS Production Studio and MS Theater. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file.

Purchases must be made in USD, and offer is only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the offer end date for statement credit(s) to post. Please call the number on the back of your Card if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified.

General

Amex Offers™ are available for varying and limited periods of time, are dynamic and personalized and may differ between Card Members. If you navigate away from the Amex Offers page, you may see different offers when you return. American Express reserves the right to modify or revoke the offer at any time.

Privacy

By enrolling and making a qualifying purchase, you acknowledge that American Express may share certain transaction data regarding the offer with the merchant participating in such offer. For more information about how we share your information with the merchant, please review the privacy notice applicable to your American Express product or service and our Online Privacy Statement.

POID: KBRX:0001

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Microsoft Store

Earn $175 Back on a purchase of $1000 or more.

Citi • Added 39d ago • Expires 3/31/2026

Earn a $175 statement credit when you spend $1000 or more on a Surface device at Microsoft Store with your enrolled Mastercard. Offer expires 3/31/2026. Discover the fastest, most intelligent Windows PCs ever. Microsoft Surface delivers incredible speed, all-day battery life, and next-level AI experiences, all with signature Surface design. May be redeemed 1 time(s) by the offer end date. Max award is a $175 statement credit. Offer valid online only at www.microsoft.com/en-us. Not valid on purchases shipped outside of United States. See Microsoft website for shipping policy. Purchases made in-store are excluded. Excludes B2B services, Bing ads, Skype, Microsoft Living Well health center, Microsoft Production Studio, Microsoft Theater, AppSource, Consulting services, Azure and Azure Marketplace. Excludes purchases of gift cards and purchases made with authorized retailers. By using Microsoft's services, you agree to be bound by the Microsoft Terms of Use. For a comprehensive understanding of your rights and obligations, we encourage you to review the full Microsoft Terms of Use at https://www.microsoft.com/en-us/legal/terms-of-use. Offer is nontransferable and the enrolled card must be active and in good-standing in order to be eligible for an award. Offers cannot be combined or stacked with other offers. If a merchant processes your online order in separate transactions, you may only earn an award on the first processed transaction if it meets all other offer criteria. Other exclusions and restrictions may apply. We may determine that certain offers are ineligible for an award. We may, in our sole discretion, suspend or deny your eligibility for all or part of the merchant offers program at any time without advanced notice to you. All offers are exclusively eligible when United States Dollars (USD) are used as the currency of transaction for qualifying redemptions. Offers redeemed using any other currency will not be valid.

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Microsoft Store

Earn 20% Back on a purchase of $129.99 or more.

Citi • Added 40d ago • Expires 3/31/2026

Earn 20% back on your purchase of $129.99 or more for an annual Microsoft 365 subscription at Microsoft Store with your enrolled Mastercard. Offer expires 3/31/2026. Microsoft 365 is the one plan for your cloud storage, creativity, productivity, and security needs. Get access to apps like Word, PowerPoint, and Excel while securely saving your documents and photos in OneDrive. Offer expires 3/31/2026. Max award is a $29.99 statement credit. Offer valid online only at www.microsoft.com/en-us. Not valid on purchases shipped outside of United States. See Microsoft website for shipping policy. Purchases made in-store are excluded. Excludes B2B services, Bing ads, Skype, Microsoft Living Well health center, Microsoft Production Studio, Microsoft Theater, AppSource, Consulting services, Azure and Azure Marketplace. Excludes purchases of gift cards and purchases made with authorized retailers. By using Microsoft's services, you agree to be bound by the Microsoft Terms of Use. For a comprehensive understanding of your rights and obligations, we encourage you to review the full Microsoft Terms of Use at https://www.microsoft.com/en-us/legal/terms-of-use. Offer is nontransferable and the enrolled card must be active and in good-standing in order to be eligible for an award. Offers cannot be combined or stacked with other offers. If a merchant processes your online order in separate transactions, you may only earn an award on the first processed transaction if it meets all other offer criteria. Other exclusions and restrictions may apply. We may determine that certain offers are ineligible for an award. We may, in our sole discretion, suspend or deny your eligibility for all or part of the merchant offers program at any time without advanced notice to you. All offers are exclusively eligible when United States Dollars (USD) are used as the currency of transaction for qualifying redemptions. Offers redeemed using any other currency will not be valid.

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Past Offers

Spend $1,000 or more, get $175 back

Amex • Added 24d ago • Expired

Get a one-time $175 statement credit by using your enrolled eligible Card to spend a minimum of $1,000 in one or more purchases online at microsoft.com/en-us by 12/31/2023. See terms.

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Microsoft

Spend $1,000 or more, earn $175 back

Amex • Added 130d ago • Expired

Earn a one-time $175 statement credit after using your enrolled eligible Card to spend a minimum of $1,000 in one or more purchases online at microsoft.com/en-us by 12/31/2025. See terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.

Limit of 1 statement credit per eligible Card Member account.  If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account by 12/31/2025 in order to qualify. Offer valid only on purchases made in US dollars.

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

Please allow 90-days after 12/31/2025 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.

Participation in Amex Offers is subject to Amex Offers Program Terms.

POID: KB7S:0001

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Microsoft

Spend $450 or more, earn $80 back

Amex • Added 131d ago • Expired

Earn a one-time $80 statement credit after using your enrolled eligible Card to spend a minimum of $450 in one or more purchases online at microsoft.com/en-us by 12/31/2025. See terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.

Limit of 1 statement credit per eligible Card Member account.  If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account by 12/31/2025 in order to qualify. Offer valid only on purchases made in US dollars.

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

Please allow 90-days after 12/31/2025 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.

Participation in Amex Offers is subject to Amex Offers Program Terms.

POID: KB7S:0004

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Microsoft

Spend $1,000 or more, earn $250 back

Amex • Added 131d ago • Expired

Earn a one-time $250 statement credit after using your enrolled eligible Card to spend a minimum of $1,000 in one or more purchases online at microsoft.com/en-us by 12/31/2025. See terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.

Limit of 1 statement credit per eligible Card Member account.  If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account by 12/31/2025 in order to qualify. Offer valid only on purchases made in US dollars.

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

Please allow 90-days after 12/31/2025 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.

Participation in Amex Offers is subject to Amex Offers Program Terms.

POID: KB7S:0002

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Microsoft

Spend $70 or more, earn $15 back

Amex • Added 131d ago • Expired

Earn a one-time $15 statement credit after using your enrolled eligible Card to spend a minimum of $70 in one or more purchases online at microsoft.com/en-us by 12/31/2025. See terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.

Limit of 1 statement credit per eligible Card Member account.  If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Excludes B2B services, AppSource, Azure, and Azure Marketplace. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account by 12/31/2025 in order to qualify. Offer valid only on purchases made in US dollars.

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

Please allow 90-days after 12/31/2025 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.

Participation in Amex Offers is subject to Amex Offers Program Terms.

POID: KB7S:0003

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Microsoft Store

Earn 20% Back on a purchase of $99.99 or more.

Citi • Added 131d ago • Expired

Earn 20% back on your purchase of $99.99 or more for an annual Microsoft 365 subscription at Microsoft Store with your enrolled Mastercard. Offer expires 12/31/2025. Microsoft 365 is the one plan for your cloud storage, creativity, productivity, and security needs. Get access to apps like Word, PowerPoint, and Excel while securely saving your documents and photos in OneDrive. May be redeemed 1 time(s) by the offer end date. Max award is a $29.99 statement credit. Offer valid online only at www.microsoft.com/en-us. Not valid on purchases shipped outside of United States. See Microsoft website for shipping policy. Purchases made in-store are excluded. Excludes B2B services, Bing ads, Skype, Microsoft Living Well health center, Microsoft Production Studio, Microsoft Theater, AppSource, Consulting services, Azure and Azure Marketplace. Excludes purchases of gift cards and purchases made with authorized retailers. By using Microsoft's services, you agree to be bound by the Microsoft Terms of Use. For a comprehensive understanding of your rights and obligations, we encourage you to review the full Microsoft Terms of Use at https://www.microsoft.com/en-us/legal/terms-of-use. Offer is nontransferable and the enrolled card must be active and in good-standing in order to be eligible for an award. Offers cannot be combined or stacked with other offers. If a merchant processes your online order in separate transactions, you may only earn an award on the first processed transaction if it meets all other offer criteria. Other exclusions and restrictions may apply. We may determine that certain offers are ineligible for an award. We may, in our sole discretion, suspend or deny your eligibility for all or part of the merchant offers program at any time without advanced notice to you.

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Microsoft

Spend $350 or more, earn $60 back

Amex • Added 178d ago • Expired

Earn a one-time $60 statement credit after using your enrolled eligible Card to spend a minimum of $350 in one or more purchases online at microsoft.com/en-us by 9/23/2025. See terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.

Limit of 1 statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).

Qualifying Purchases

Offer valid online only at US website microsoft.com/en-us and through the Microsoft Store app. Not valid on purchases shipped outside of the US. See merchant website for shipping policy. Some merchants may not ship to all areas. Excludes B2B services, AppSource, Azure, and Azure Marketplace. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account before 9/23/2025 in order to qualify. Please note if you purchase a subscription, unless you notify the merchant that you want to pause, cancel, or that you do not want to auto renew, your subscription will automatically renew for another subscription period (subject to applicable law) of equal length (for example monthly, or annually). This means that the merchant will collect the then-applicable subscription fee and any taxes by charging a credit card the merchant has on record for you without notifying you, unless notification is required by applicable law. Offer valid only on purchases made in US dollars.

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

Please allow 90-days after 9/23/2025 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.

Participation in Amex Offers is subject to Amex Offers Program Terms.

POID: K9WC:0003

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Microsoft

Earn 20% back on purchases, up to a total of $30

Amex • Added 182d ago • Expired

Earn 20% back as a statement credit after using your enrolled eligible Card to make purchases of Microsoft 365 Business plans online at microsoft.com/en-us/microsoft-365/business/microsoft-365-plans-and-pricing by 12/31/2025. Limit of $30 back in total statement credits. Excludes plans with Microsoft 365 Copilot. See terms.

Eligibility and Enrollment

Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express® Cards are eligible.

Limit of $30 in total statement credits per eligible Card Member.  If the Card Account is canceled or past due, it may not qualify to receive the statement credit(s).

Qualifying Purchases

Offer valid only on Microsoft 365 Business plans purchased online only at US website microsoft.com/en-us/microsoft-365/business/microsoft-365-plans-and-pricing. Excludes standalone apps and all other Microsoft products. Not valid on Microsoft 365 Copilot and Microsoft 365 Business plans bundled with Microsoft 365 Copilot. If you receive a free trial, charges may not post to your account until the trial has lapsed. Charges must post to your account by 12/31/2025 in order to qualify. Eligible subscriptions or memberships will automatically renew unless you cancel, and the merchant will charge the applicable fee to the Card they have on file. Offer valid only on purchases made in US dollars.

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

Please allow 90-days after 12/31/2025 for the statement credit(s) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase.

Participation in Amex Offers is subject to Amex Offers Program Terms.

POID: KARK:0001

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