> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developer.americanexpress.ferndocs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server.

# Smart Offers Partnerships

> **Note**
>
> American Express publishes an overview for this product but no API
> specification, so there is no endpoint reference to show.

The American Express Smart Offer Partnership product provides registered Partners with access to certain American Express data, required to run their card-linked offer and loyalty programs, via API and SFTP. Through this product, Partners are able to access the transaction data of enrolled Card Members from specific participating Merchants.

## Why it's great

#### Information Access

Merchants have access to enrolled Card Member transaction information from transactions at participating Merchants.

#### Increased Participation

The ability to create loyalty solutions capable of increasing the number of consumers participating in Partner programs.

#### Flexible Integration

Flexible integration models can create wide ranging end user applications for card-linked offers or loyalty use cases.

## How it works

#### Partners work with Participating Merchants and connect them to the American Express system.

Partners source offers from participating Merchants.

![](/_fern-img/2f633464e244ff1fd549ef8e46a66e26659aeb4a5480adb422e069262b593d8d.webp)

#### Card members enroll into the Partner's card-linked offer or loyalty program by entering their American Express Card information, which is then synced between American Express and Partner systems.

Card Members enroll into the Partner's Card-linked offer or loyalty program by entering their American Express Card information, which is then synced between American Express and Partner systems.

![](/_fern-img/bf3c61ea4b61da51c76832058c14b0307f411a588e1973eba36bb5318263b544.webp)

#### Certain transaction information is sent to the Partner from American Express so that Partners can apply a discount or issue loyalty points to American Express Card Members.

Certain transaction information is sent to the Partner from American Express so that Partners can apply a discount or issue loyalty points to American Express Card Members.

![](/_fern-img/7f6243beb03ceb887f72fb9dcf4e6ea61555173e526cea94782f52b5127279d1.webp)

#### If applicable, American Express can issue statement credits on behalf of the Partner directly onto Card Member statements, for which American Express is later reimbursed.

If applicable, American Express can issue statement credits on behalf of the Partner directly onto Card Member statements, for which American Express is later reimbursed.

![](/_fern-img/6a0771e1f8b214c2d5e33696276169492f7dd68a4a89215b25aedb4d7d0f07e1.webp)

## Technical Highlights

* RESTful APIs with JSON format for data exchange.
* SSL encryption - HMAC token.

## What You Need To Go Live

* Signed NDA and executed agreement with American Express.
* Successful completion of American Express security reviews.
* Production access credentials.

## API Summary

* Sync API to link cards.
* Unsync API to remove linked cards.
* Activation API to link specific offers to a card.