Get £5 back when you spend £15 at small shops during the American Express Shop Small event.

Every year, American Express runs a Shop Small offer giving money back for every £15 spent at small businesses. You can get money back from shops, restaurants, pubs and even places like hairdressers, galleries and dentists in the form of a statement credit.

With £5 back each time and a limit of five transactions per card you could net £25 when it returns in December 2022. And with a few little tricks, you might be able to double or quadruple that amount.

Here’s everything you need to know.

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When is Amex Shop Small 2022?

American Express Shop Small 2022 will return for the winter. I’ve had it revealed by Amex that it’ll take place between Saturday 3 and Monday 12 December 2022. The offer will be available to add to your Amex from 16 November.

How long does Amex Shop Small last?

Shop Small keeps getting sorter! This time it’ll last for 10 days, down on the 13 in winter 2021, and 16 days in the years before this. Still, it’s better than in the summer this year when it lasted for just seven days.

The 10 days do mean you’ll at least get two weekends to make the most of the offer.

How Shop Small 2022 works

There were some changes to the scheme made last year, and it looks like this new format is sticking around. It’s been confirmed that once again the reward and spending values will be:

• Earn £5 back for a spend of £15 or more (previously this was £5 for every £10 spent)
• You can get the offer at up to five different small shops (previously ten shops)
• There’s a cap of £25 earned per card (previously £50)

Other conditions have stayed stay the same, including the rule that you can only earn a Shop Small credit once per retailer, per card.

How to make the most of Shop Small

Here’s what you need to know to take advantage of the offer, and how you can double or more your access to the credit.

Add the offer to your card

The offer isn’t automatically applied to your account. You need to “add” the offer to your card to take advantage. If it’s not showing right now, keep an eye out in the week. You’ll be able to find it in the offer section of your online account or app.

Throughout the year you’ll also see other decent offers. Over the years I’ve gained £250 off a £500 United flight, £20 back from a Eurostar trip, £5 back from Amazon and £100 back from a £250 hotel booking spend – and there are plenty more. I reckon I easily make another £50 to £100 each year from these offers, sometimes much more.

Add it to your partner’s card

If you’ve got an additional, or ‘supplementary’ card on your account for your partner, then make sure they also add the offer to their card.

This means you can both take advantage of the promotion, and it also means you can shop twice at the same retailer – once with each card.

You’ve got time to request an additional card if you don’t already have one – though since you are responsible for any spending on the card make sure the person you give it to won’t go on a spending spree.

Apply for an extra American Express credit card

You’re also not limited to a single American Express card. Since the offer is per card not per person if you get another card or two in your name it increases the retailers you can spend at. Remember to perform an eligibility check before applying.

It might even be that you can get a welcome bonus on a second or third card and the Platinum and BA Premium Plus have different eligibility conditions, depending on which cards you already hold. I’ve written more about how to get multiple Amex signup bonuses here.

Think beyond your normal shopping

It’s easy to always buy things at the same big shops, or visit the same places. Well, this is your chance to try new stores and businesses.

Some of the businesses I’ll be looking out for:

• Off-licences – great for stocking up on wine and beer
• Corner shops – again, good for booze, but also food and random household things
• Cafes and restaurants – plenty of places to get a cheaper lunch or meals out
• Bars and pubs – don’t forget about hotel bars too
• Small boutiques –  a good opportunity to find small gifts
• Museums and galleries – even if you don’t want to see an exhibition, check out the shop or cafe
• Services like dentists, dry cleaning or picture framing

Buy gift cards

If there’s nothing you want to buy right now but you know there will be purchases you’ll make at specific businesses in the short term then you can buy a gift card using Shop Small and it should track fine.

Just remember there are risks with gift cards. They can be lost or expire, or the business can go bust before you get to use the voucher.

Stack your savings

I love a good deal stack, where you use multiple promotions at once. So when you’re using Shop Small, look for other offers. A really good one is the set menu at participating restaurants. 

Split the bill

If you’re using Shop Small at a restaurant and you’re with someone else using Amex, you can split the bill so you both get the credit. Be careful if you do this with more than one of your own cards as I’ve seen reports of cards being cancelled as a result – though it’s not happened to me.

Pay off the card each month

Obviously you should only spend money you can afford, so though it’s great to support small businesses, especially now, only spend money you have. It’s vital you don’t get charged interest on your purchases so try to clear the full balance each month.

How to find out what shops are taking part in Shop Small

Lots of shops will have a Shop Small sticker in the window, but there’s an easier way to check who is taking part.

On the American Express website, you can use a Shop Small map with a postcode tool that shows you all the businesses near you.

It helps to zoom in and refresh the map as it won’t display every shop if you’re looking at a large area. You can also filter by shop, entertainment, eating and drinking, travel and ‘services’.

Make sure the Shop Small logo is displayed in the search results, otherwise you might be seeing just a retailer that takes Amex but isn’t part of the promotion. Ticking the Shop Small filter will help avoid this.

Last summer it was a bit erratic (some local shops were showing up as in the middle of the Atlantic ocean!). Hopefully the issues I spotted have been fixed.

What if the shop says it’s not taking part in Shop Small?

I’ve had this happen to me a few times. It’s listed on the map as taking part, but when you go to pay you’re told they don’t take American Express.

It’s frustrating and potentially embarrassing. At a shop you can just say you’ve changed your mind, but in a restaurant you don’t have that luxury if you’ve already eaten!

If this happens, make a note of the shop and keep your receipt, then call up Amex. They’ll investigate but as long as it’s on the map with the Shop Small logo they should pay you the money. This tends to happen to me once each year and I’ve always had the credit applied.

What if the Shop Small credit isn’t applied?

When credit is applied to your account it says which retailer it relates to. This should happen within five days. But sometimes the credit doesn’t come through.

As above, if you’ve paid with American Express at a shop that’s listed as part of the promotion but the credit isn’t added to your card you should call up. They’ll probably ask you to wait for 90 days after the offer ends.

I’ve had this happen a few times, so it’s worth keeping track of where you’ve spent the money and what hasn’t come through so you can ask for the manual credit.

Who pays for Amex Shop Small discounts?

Don’t worry – the money all comes from American Express. So the shops and retailers won’t be out of pocket at all. You genuinely are helping shops by using this offer.

Is Amex Shop Small still worthwhile with the cuts?

When I first heard of the offer it was £5 back from a £5 spend – amazing! But in recent years it was still a decent £5 back with each £10 spend. Plus you could claim the offer at 10 different stores per card.

By maxing out the higher cap of £50 per cardholder we’ve been saving £100 as a couple. Once year we had four cards between us and received £185.

And though we weren’t ever spending exactly £10 per purchase to say it was a 50% discount, we often weren’t too far off.

That’s obviously no longer the case. For a start you’re now limited to £25 of rewards per card. This fifty percent drop is a big difference. It’s also a shame that as part of that we can only save at five shops rather than 10.

And we now have to spend at least £5 more per transaction to get the discount. That means the total spend per card will be at least £75, rather than at least £50.

So it’s frustrating, and definitely means it’s not as good as it used to be. But I still think it’s a great promotion. As with any offer, the idea is to only spend on things you need. So you’re hopefully still saving money on the things you were buying. Just not as much.

How to get an Amex credit card for Shop Small

If you don’t already have one, you can still apply for one and get it in time for the promotion. It could take up to two weeks for your card to arrive, though it’s usually much quicker. Even so don’t delay if you want to use it during Shop Small.

(A quick aside, if you don’t feel confident you’ll be able to pay off your spending every month, then don’t even apply! The interest charges will far outweigh the benefits you get).

Right now there aren’t any boosted refer-a-friend welcome bonuses, which is normally a great extra. I’ve more details about any offer s that to come along(and how to find a referral link) on my Amex deals page.