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

With an American Express card that earns Amex 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 decide to make use of their factors for assertion credit, reward playing cards and extra.

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

This is the best way to redeem factors, maximize Amex advantages and discover the very best Amex playing cards for incomes Membership Rewards factors.

What are Amex Membership Rewards factors?

Membership Rewards factors are the rewards forex of American Categorical. 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 too can earn bonus factors in sure spending classes.

On the earth of factors and miles, American Categorical Membership Rewards factors are thought-about among the most dear and helpful factors you possibly can earn due to their flexibility. Per TPG’s September 2025 valuations, Amex factors are value 2 cents apiece.

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

How do I earn Amex Membership Rewards factors?

The best method to earn many Membership Rewards factors is by making use of for a Membership Rewards points-earning American Categorical card.

Incomes Membership Rewards factors from playing cards

This is a take a look at the welcome provide, bonus-category construction, annual payment and advantages for every of the six most dear Membership Rewards playing cards that can assist you select the very best Amex card.

Card Welcome provide Incomes charges Annual payment Notable perks
The Platinum Card® from American Express Discover out your provide and see if you’re eligible for as excessive as 175,000 factors after you spend $8,000 on eligible purchases inside the first six months of account opening. Welcome presents differ, and also you might not be eligible for a suggestion.
  • Earn 5 factors per greenback spent on flights booked immediately with airways or with American Categorical Journey® (on as much as $500,000 per calendar yr, then 1 level per greenback) and pay as you go resorts booked with American Categorical Journey.
  • Earn 1 level per greenback spent on all different purchases.
$895 (see rates and fees)
  • Obtain as much as a $400 annual assertion credit score ($100 per quarter) while you dine at U.S. Resy eating places or make different eligible purchases with Resy.
  • Obtain as much as a $300 annual assertion credit score (as much as $75 per quarter) for eligible purchases at U.S. Lululemon retail shops (excluding shops) and on-line.
  • Obtain as much as $200 in statement credits every calendar yr for incidental charges charged by one airline you choose.
  • Obtain as much as a $600 hotel statement credit each calendar yr (as much as $300 semiannually) on pay as you go Amex Positive Accommodations + Resorts or The Lodge Assortment bookings with Amex Journey while you pay along with your card (Lodge Assortment stays require a two-night minimal).

Enrollment is required for choose advantages; phrases apply.

Check out a full list of Amex Platinum card benefits.

The Business Platinum Card® from American Express Earn 200,000 factors after spending $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.
  • Earn 2 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).
  • Earn 1 level per greenback spent on all different purchases.
$895 (see rates and fees)
  • Obtain as much as $150 in assertion credit on U.S. purchases made immediately at Dell and an extra up-to-$1,000 assertion credit score after spending $5,000 or extra at Dell per calendar yr.
  • Obtain as much as a $250 Adobe assertion credit score after spending $600 or extra on U.S. purchases made immediately at Adobe every calendar yr.
  • Obtain as much as a $209 Clear Plus assertion credit score every calendar yr (topic to automated renewal).
  • Stand up to $120 in assertion credit each calendar yr for purchases made immediately with any U.S. wi-fi phone supplier (as much as $10 per thirty days).
  • After spending $250,000 on eligible purchases, unlock a $1,200 Amex Journey on-line flight assertion credit score and $2,400 in One AP assertion credit score.

Enrollment is required for choose advantages; phrases apply.

Check out a full list of Amex Business Platinum card benefits.

American Express® Gold Card Discover out your provide and see if you’re eligible for as excessive as 100,000 factors after you spend $6,000 on eligible purchases inside the first six months from account opening. Welcome presents differ, and also you might not be eligible for a suggestion.

 

 

  • Earn 4 factors per greenback spent on purchases at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback).
  • Earn 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).
  • Earn 3 factors per greenback spent on flights booked immediately with airways or on American Categorical Journey.
  • Earn 2 factors per greenback spent on pay as you go resorts and different eligible purchases booked on amextravel.com.
  • Earn 1 level per greenback spent on all different purchases.
$325 (see rates and fees)
  • Obtain as much as $120 in Uber Money every calendar yr, legitimate on Uber rides and Uber Eats orders within the U.S. (break up into month-to-month $10 credit; add your Amex Gold to your Uber account and pay with any Amex card).
  • Obtain as much as a $120 annual eating assertion credit score every calendar yr (as much as $10 per thirty days) to make use of at Grubhub, The Cheesecake Manufacturing facility, Goldbelly, Wine.com and 5 Guys.
  • 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 up-to-$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; phrases apply.

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 essentially 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).
  • Earn 3 factors per greenback spent on flights and pay as you go resorts when booked on Amex Journey.
  • Earn 1 level per greenback spent on all different purchases.
$375 (see rates and fees)
  • Obtain as much as a $240 assertion credit score every calendar yr (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 per thirty days, plus relevant taxes on one membership payment) for a month-to-month Walmart+ membership (topic to automated renewal; Plus Ups not eligible).

Enrollment is required for choose advantages; phrases apply.

American Express® Green Card Earn 40,000 factors after spending $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.
  • Earn 1 level per greenback spent on different purchases.
$150
  • Obtain as much as a $209 Clear Plus assertion credit score every calendar yr (topic to automated renewal).

Enrollment is required.

The Blue Business® Plus Credit Card from American Express Earn 15,000 bonus factors after spending $3,000 on eligible purchases on the cardboard inside your first three months of card membership.

 

  • Earn 2 factors per greenback spent (on as much as $50,000 every calendar yr, then 1 level per greenback).
  • Earn 1 level per greenback spent on different purchases.
$0 (see rates and fees)

*Eligibility and profit stage differ by card. Phrases, circumstances and limitations apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by Amex Assurance Firm.

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

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, one among TPG’s favourite on-line buying portals. By way of Rakuten, you possibly can decide to earn money again or Membership Rewards points.

If you do not have an account, you possibly can enroll and revel in a normal one-time bonus of $30 while you spend at the least $30 inside 90 days of turning into a member.

Nonetheless, when you be part of Rakuten by way of a referral link by Sept. 30 after which spend at the least $50 at eligible retailers inside 90 days of turning into a member, each you and your referrer will obtain a one-time bonus of $50.

It’s also possible to earn Amex Membership Rewards factors by way of referral bonuses. You may obtain a set variety of factors when somebody makes use of your referral hyperlink and is permitted. Remember that rewards earned by way of referral bonuses are taxable.

Amex Membership Rewards switch companions

Since you possibly can switch Membership Rewards factors to 17 airline and three lodge switch companions, you possibly can seek for award journey on nearly each main route and metropolis worldwide.

Emirates first class
ERIC ROSEN/THE POINTS GUY

Thus, incomes Membership Rewards factors is often extra profitable than solely incomes miles or factors in one among these airline or lodge loyalty packages. Keep in mind, you aren’t locked into one switch companion — you possibly can ship some factors to at least one program after which some to a different.

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

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

The perfect methods to redeem Amex Membership Rewards factors

To get most worth to your factors, you’ll want to switch them to companions.

Listed below are just some of our favourite redemptions:

  • Fly to Hawaii on points and miles: Switch your Membership Rewards factors to Delta SkyMiles, and you will pay as little as 13,500 SkyMiles for a one-way flight from Los Angeles Worldwide Airport (LAX) to Daniel Ok. Inouye Worldwide Airport (HNL).
  • Save on business-class award flights: Singapore Airways 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 switch your Membership Rewards factors to the Singapore KrisFlyer program to fly enterprise class. Each routes price 111,500 KrisFlyer miles plus taxes and charges one-way, a small worth for consolation on such a protracted flight.
  • Switch your Amex Membership Rewards points to Iberia Club: 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 16,000 Iberia Membership Avios in economic system, 29,500 Avios in premium economic system and 40,500 Avios in enterprise class every manner.
  • Switch your Amex Membership Rewards factors to Air France-KLM’s Flying Blue program: Ebook business-class flights from North America to Europe beginning at simply 60,000 Flying Blue miles every manner.
  • Ebook home JetBlue award flights: Transferring your Membership Rewards factors to Etihad Visitor generally is a good possibility. JetBlue flights 500 miles or shorter inside North America price simply 6,000 Etihad Visitor miles.

Simply do not forget that transfers are irreversible, so it is best to solely switch your Amex factors as soon as you’ve got confirmed the award area for the flight or lodge you need.

For extra info on maximizing your Amex factors for journey, take a look at our guide to sweet spots and extra with Membership Rewards factors.

Moreover, you too can use your factors to e book nearly any journey by way of the Amex Journey platform. You often obtain a worth of 1 cent per Amex level. That is an OK worth, however not a spectacular method to redeem your factors. It is nonetheless higher than the redemptions we’re about to get into, nevertheless.

Poor-value methods to redeem Membership Rewards factors

Sadly, a number of choices for redeeming your factors symbolize less-than-stellar worth and will sometimes be prevented if you wish to maximize your hard-earned Amex Membership Rewards.

Uber airport pick-up
ZACH GRIFF/THE POINTS GUY

A few of these choices embody:

Steadily requested questions

Listed below are some solutions to steadily requested questions we have seen about Amex Membership Rewards.

How do I switch Amex Membership Rewards factors to airways?

To switch Membership Rewards factors, comply with these steps:

  1. Log in to your Amex account.
  2. Go to the rewards part.
  3. Go to the switch part below rewards.
  4. Make sure the loyalty program you wish to switch your factors to is linked.
  5. Choose the companion you wish to switch to and provoke the switch.

It is necessary to notice that when you make a switch, you won’t be able to reverse it.

Are there charges or taxes after I use Amex Membership Rewards factors?

Whereas there are not any charges to make use of Amex Membership Rewards factors, there’s a tax known as the excise tax offset payment, which prices $0.0006 per level with a most of $99. This payment solely applies when transferring factors to one among Amex’s U.S.-based airline companions, like Delta SkyMiles and JetBlue TrueBlue.

Are you able to pool or share Amex factors?

In case you have a number of Membership Rewards points-earning playing cards, the factors will all be pooled in your Amex account. Nonetheless, Amex does not can help you switch factors between accounts, even when it is between members of the family. Amex additionally does not can help you switch your factors to a companion program in another person’s title, except for a certified person in your Membership Rewards account who has been on the account for at the least 90 days.

Do Membership Rewards factors expire?

Membership Rewards factors don’t expire, supplied you retain at the least one card open that earns them. For those who cancel all your Amex Membership Rewards playing cards, you need to redeem or switch your factors earlier than closing the final card. In any other case, you’ll forfeit the factors.

Backside line

Because of Amex’s beneficiant card presents, Membership Rewards factors are straightforward to earn and redeem. They’re additionally straightforward to make use of with quite a lot of switch companions.

Whether or not you select to splurge on a European getaway or use your factors to go to household in one other state, having Membership Rewards factors at your disposal might help you lower your expenses.

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, click on here.

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