Amex Membership Rewards: How to earn, redeem and t...

With an American Express card that earns profitable Membership Rewards factors, cardholders can redeem factors by way of American Express Travel for resorts (together with trip leases), automotive leases, cruises and flights or choose to make use of their factors for assertion credit, present playing cards and extra.

Whether or not you are a factors skilled or not, you may also maximize your Membership Rewards points by transferring them to Amex’s 21 airline and hotel partners. With many choices to redeem and maximize your hard-earned factors, your Membership Rewards factors are extraordinarily helpful.

Preserve studying to be taught extra about methods to redeem factors, maximize Amex advantages and the most effective Amex playing cards to earn Membership Rewards factors.

Membership Rewards factors are the rewards foreign money of American Specific. In case you have an Amex card that earns Membership Rewards factors, you’ll earn them for on a regular basis spending, simply as you’ll earn airline miles with an airline-branded card or lodge factors with a hotel-branded card. Plus, relying in your Amex card, you may also earn bonus factors in sure spending classes.

On this planet of factors and miles, American Specific Membership Rewards factors are thought of among the Most worthy and helpful factors you possibly can earn due to their flexibility. Per TPG’s March 2025 valuations, Amex factors are price 2 cents per level. Since Membership Rewards factors are a type of transferable foreign money — Amex at the moment has 18 airline and three lodge companions — there are various methods to get probably the most worth out of your factors whenever you switch them to companions.

Associated: How (and why) you should earn transferable credit card points in 2025

How do I earn Amex Membership Rewards factors?

The best technique to earn many Membership Rewards factors is by making use of for a Membership Rewards points-earning American Specific card. Amex gives a number of to select from, starting from premium playing cards with beneficiant advantages (and excessive annual charges) to no-annual-fee playing cards that reward every day spending.

Incomes Membership Rewards factors from playing cards

Here is a take a look at the welcome provide, bonus-category construction, annual price and advantages for every of the six Most worthy Membership Rewards playing cards that will help you select the most effective Amex card.

Card	Welcome provide	Bonus classes	Annual price	Perks
The Platinum Card® from American Express	Earn 80,000 factors after you spend $8,000 on eligible purchases inside the first six months of account opening.	Earn 5 factors per greenback spent on flights booked immediately with airways or with American Specific Journey (on as much as $500,000 per calendar yr, then 1 level per greenback) and pay as you go resorts booked with American Specific Journey.	$695 (see rates and fees)	Obtain as much as $200 in statement credits yearly for incidental charges charged by one airline you choose. Obtain as much as a $200 annual hotel credit, within the type of an announcement credit score, on pay as you go Amex Effective Lodges + Resorts or The Resort Assortment bookings with Amex Journey whenever you pay along with your Amex Platinum (Resort Assortment stays require a two-night minimal). Earn as much as $200 annually in Uber Cash, legitimate on Uber rides and Uber Eats orders within the U.S. (cut up into month-to-month $15 credit, plus a $20 bonus in December; add your Amex Platinum to your Uber account and pay with any Amex card). Get a $120 statement credit for World Entry each 4 years or as much as a $85 price credit score for TSA PreCheck each 4 1/2 years (relying on which software price is charged to your card first). Enrollment is required for choose advantages.
The Business Platinum Card® from American Express	Earn 150,000 factors after you spend $20,000 on eligible purchases inside the first three months of card membership.	Earn 5 factors per greenback spent on flights and pay as you go resorts on Amex Journey and 1.5 factors per greenback spent on eligible purchases in choose enterprise classes and eligible purchases of $5,000 or extra (on as much as $2 million of those purchases per card account per calendar yr, then 1 level per greenback).	$695 (see rates and fees)	Obtain as much as a $199 Clear Plus assertion credit score. Obtain as much as a $200 annual airline price assertion credit score on prices by the airline you choose per calendar yr. Stand up to $120 in assertion credit for purchases made immediately from any U.S. wi-fi phone supplier (as much as $10 monthly). Enrollment is required for choose advantages.
American Express® Gold Card	Earn 60,000 Membership Rewards factors after you spend $6,000 on eligible purchases in your first six months of card membership.	Earn 4 factors per greenback spent on purchases at eating places worldwide (as much as $50,000 in purchases per calendar yr, then 1 level per greenback), 4 factors per greenback spent at U.S. supermarkets (on as much as $25,000 per calendar yr in purchases, then 1 level per greenback), 3 factors per greenback spent on flights booked immediately with airways or on American Specific Journey and a couple of factors per greenback spent on pay as you go resorts and different eligible purchases booked on amextravel.com.	$325 (see rates and fees)	Obtain as much as a $120 annual eating assertion credit score every calendar yr (as much as $10 monthly). Obtain as much as a $100 annual Resy credit score every calendar yr at U.S. Resy eating places (credit score is damaged down into as much as $50 assertion credit biannually). Stand up to $84 in annual Dunkin’ credit score every calendar yr at U.S. Dunkin’ places (as much as $7 in month-to-month assertion credit). Enrollment is required for choose advantages.
American Express® Business Gold Card	Earn 100,000 bonus factors after spending $15,000 on purchases within the first three months of card membership.	Earn 4 factors per greenback spent on the highest two eligible classes (from six classes) the place you spend probably the most every billing cycle (on as much as $150,000 in mixed purchases from these two classes every calendar yr, then 1 level per greenback), 3 factors per greenback spent on flights and pay as you go resorts when booked on Amex Journey and 1 level per greenback spent on different purchases.	$375 (see rates and fees)	Obtain as much as a $240 assertion credit score yearly (as much as $20 every month) for eligible U.S. purchases at FedEx, Grubhub and workplace provide shops. Earn as much as $155 in assertion credit score yearly (as much as $12.95 monthly, plus relevant taxes on one membership price) for a month-to-month Walmart+ membership (topic to auto-renewal; Plus Ups not eligible). Enrollment is required for choose advantages.
American Express® Green Card	Earn 40,000 factors after you spend $3,000 on eligible purchases within the first six months of card membership.	Earn 3 factors per greenback spent on eating places worldwide, journey and transit and 1 level per greenback spent on different purchases.	$150	Obtain as much as a $199 Clear Plus assertion credit score every calendar yr. Enrollment is required.
The Blue Business® Plus Credit Card from American Express	Earn 15,000 Membership Rewards factors after you make $3,000 in eligible purchases on the cardboard inside your first three months of card membership.	Earn 2 factors per greenback spent on on a regular basis enterprise purchases (on as much as $50,000 every calendar yr, then 1 level per greenback) and 1 level per greenback spent on different purchases.	$0 (see rates and fees)	*Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm.

The knowledge for the American Specific Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

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Different methods to earn Membership Rewards factors

After you have one (or extra) of the above playing cards, there are extra choices for incomes Amex factors. The primary is leveraging Rakuten, certainly one of TPG’s favourite on-line purchasing portals. Previously generally known as Ebates, the location as soon as provided money again to customers who clicked by way of to taking part retailers from its dashboard. Nevertheless, members can now earn money again or Membership Rewards factors.

If you do not have an account, you can sign up and luxuriate in a one-time bonus of $30 whenever you spend a minimum of $30 inside 90 days of turning into a member.

Who’re the Amex Membership Rewards switch companions?

By transferring Membership Rewards factors to 18 airline and three lodge switch companions, you possibly can seek for award journey throughout the globe, protecting nearly each main route and metropolis. Thus, incomes Membership Rewards is normally extra helpful than solely incomes factors in certainly one of these airline or lodge loyalty applications. Bear in mind, you aren’t locked into one switch companion — you possibly can ship some factors to 1 program after which some to a different.

Under, we have listed all these companions, the switch ratios and the switch occasions found in our testing.

If you have not performed so, hyperlink your switch companion accounts to your Membership Rewards account. This can stop delays sooner or later when it’s worthwhile to make a fast switch.

The most effective methods to redeem Amex Membership Rewards factors

There are infinite methods to make use of these switch companions to get most worth in your Membership Rewards factors. Listed here are just some of our favourite redemptions:

• Fly to Hawaii on points and miles: Switch your factors to Singapore KrisFlyer and you may pay simply 13,500 KrisFlyer miles for a one-way flight from California, Oregon or Washington to any of the 4 Hawaiian Islands serviced by Alaska Airways. These based mostly elsewhere within the nation can guide nonstop or connecting flights on United Airways. You will pay 19,500 KrisFlyer miles for a one-way financial system ticket or 39,000 miles for enterprise class. This consists of United’s long-haul nonstop flights from Newark, Chicago and Washington, D.C., to Honolulu.
• Save on business-class award flights: Singapore Airways additionally operates two of the world’s longest flights, one from Singapore Changi Airport (SIN) to Newark Liberty Worldwide Airport (EWR) and one other from SIN to New York’s John F. Kennedy Worldwide Airport (JFK). You will not wish to spend 18 hours in an uncomfortable seat, so use your Membership Rewards to fly enterprise class. Each routes value 111,500 KrisFlyer miles plus taxes and charges one-way, a small value for consolation on such a protracted flight.
• Switch your Amex points to Iberia Plus: On off-peak dates, you possibly can fly from JFK and Boston Logan Worldwide Airport (BOS) to Spain’s Adolfo Suárez Madrid-Barajas Airport (MAD) for simply 17,000 Avios in financial system, 25,500 Avios in premium financial system and 34,000 Avios in enterprise class every approach. This can be a steal — most airways cost a minimum of 60,000 factors or miles for a one-way business-class flight to Europe.
• Switch your Amex factors to Air France-KLM’s Flying Blue: Ebook business-class flights from North America to Europe ranging from simply 60,000 miles every approach.
• Ebook home JetBlue award flights: Following various devaluations from Avios applications in 2024, transferring your Membership Rewards factors to Etihad Visitor could also be a greater possibility. JetBlue flights 500 miles or shorter inside North America value simply 6,000 Etihad Visitor miles.

Simply keep in mind that transfers are irreversible, so it is best to solely switch your Amex factors as soon as you’ve got confirmed the award house for the flight or lodge you need.

For extra info on maximizing your Amex factors for journey, try our guide on booking business-class flights and extra with Membership Rewards factors.

Moreover, you may also use your factors to guide nearly any journey by way of the Amex Journey platform. You normally obtain a worth of 1 cent per Amex level. That is an OK worth however not a spectacular technique to redeem these factors.

Poor-value methods to redeem Membership Rewards factors

Sadly, a number of choices for redeeming your factors characterize lower than stellar worth and will sometimes be averted if you wish to maximize your hard-earned rewards. These embrace:

• Utilizing factors for prices: This is sort of a cash-back possibility protecting eligible prices in your billing assertion. What are eligible prices? You’ll be able to view the checklist of eligible prices out of your present on-line assertion. With this selection, you will solely obtain 0.6 cents per level, so it is not a fantastic return.
• Utilizing Pay with Factors at checkout: After linking your Membership Rewards account with online merchants like Amazon, Greatest Purchase and Grubhub, you possibly can pay in your purchases at a barely higher (however nonetheless poor) worth of 0.7 cents per level. Though this selection can typically be helpful for promotions, you could wish to flip this off to stop unintentional and unauthorized use of your factors.
• Redeeming for taxi rides in New York Metropolis: You’ll be able to redeem factors for New York Metropolis taxi fares at a worth of 1 cent per level.
• Redeeming for present playing cards: One of many worst choices is redeeming your factors for present playing cards. Relying on the service provider, these redemptions are price anyplace from 0.5 cents to 1 cent apiece.

For charges and charges of the Amex Platinum Card, click on here.
For charges and charges of the Amex Gold Card, click on here.
For charges and charges of the Amex Enterprise Gold Card, click on here.
For charges and charges of the Amex Enterprise Platinum Card, click on here.
For charges and charges of the Blue Enterprise Plus Card, please click on here.