With an American Categorical card that earns Amex Membership Rewards factors, cardholders can redeem factors via American Categorical Journey for accommodations (together with trip leases), automobile leases, cruises and flights, or decide to make use of their factors for assertion credit, present playing cards and extra.
Whether or not you are a factors knowledgeable or not, you may also maximize your Amex Membership Rewards factors by transferring them to Amex’s airline and resort companions. With many choices to redeem and maximize your hard-earned factors, your Amex rewards are extraordinarily helpful.
This is methods to redeem factors, maximize Amex advantages and discover one of the best Amex playing cards for incomes Membership Rewards factors.
What are Amex Membership Rewards factors?
Membership Rewards factors are the rewards foreign money 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’d earn airline miles with an airline-branded card or resort factors with a hotel-branded card. Plus, relying in your Amex card, you may also earn bonus factors in sure spending classes.
On the planet of factors and miles, American Categorical Membership Rewards factors are thought-about among the most respected and helpful factors you’ll be able to earn due to their flexibility. Per TPG’s September 2025 valuations, Amex factors are value 2 cents apiece.
Associated: How (and why) it is best to earn transferable bank card factors in 2025
How do I earn Amex Membership Rewards factors?
The simplest technique 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 have a look at the welcome supply, bonus-category construction, annual payment and advantages for every of the six most respected Membership Rewards playing cards that can assist you select one of the best Amex card.
| Card | Welcome supply | Incomes charges | Annual payment | Notable perks |
|---|---|---|---|---|
| The Platinum Card® from American Categorical | Discover out your supply and see in case you are eligible for as excessive as 175,000 factors after you spend $8,000 on eligible purchases throughout the first six months of account opening. Welcome gives differ, and also you might not be eligible for a proposal. |
|
$895 (see charges and charges) |
Enrollment is required for choose advantages; phrases apply. Take a look at a full listing of Amex Platinum card advantages. |
| The Enterprise Platinum Card® from American Categorical | Earn 200,000 factors after spending $20,000 on eligible purchases throughout the first three months of card membership. |
|
$895 (see charges and charges) |
Enrollment is required for choose advantages; phrases apply. Take a look at a full listing of Amex Enterprise Platinum card advantages. |
| American Categorical® Gold Card | Discover out your supply and see in case you are eligible for as excessive as 100,000 factors after you spend $6,000 on eligible purchases throughout the first six months from account opening. Welcome gives differ, and also you might not be eligible for a proposal.
|
|
$325 (see charges and charges) |
Enrollment is required for choose advantages; phrases apply. |
| American Categorical® Enterprise Gold Card | Earn 100,000 bonus factors after spending $15,000 on purchases within the first three months of card membership. |
|
$375 (see charges and charges) |
Enrollment is required for choose advantages; phrases apply. |
| American Categorical® Inexperienced Card | Earn 40,000 factors after spending $3,000 on eligible purchases within the first six months of card membership. |
|
$150 |
Enrollment is required. |
| The Blue Enterprise® Plus Credit score Card from American Categorical | Earn 15,000 bonus factors after spending $3,000 on eligible purchases on the cardboard inside your first three months of card membership.
|
|
$0 (see charges and charges) |
*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.
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Different methods to earn Membership Rewards factors
After getting one (or extra) of the above playing cards, there are further choices for incomes Amex factors. The primary is leveraging Rakuten, one in all TPG’s favourite on-line buying portals. By means of Rakuten, you’ll be able to decide to earn money again or Membership Rewards factors.
If you do not have an account, you’ll be able to enroll and luxuriate in a typical one-time bonus of $30 once you spend no less than $30 inside 90 days of turning into a member.
Nevertheless, in the event you be part of Rakuten via a referral hyperlink by Sept. 30 after which spend no less than $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.
You may as well earn Amex Membership Rewards factors via referral bonuses. You may obtain a set variety of factors when somebody makes use of your referral hyperlink and is accredited. Needless to say rewards earned via referral bonuses are taxable.
Amex Membership Rewards switch companions
Since you’ll be able to switch Membership Rewards factors to 17 airline and three resort switch companions, you’ll be able to seek for award journey on virtually each main route and metropolis worldwide.
Thus, incomes Membership Rewards factors is often extra profitable than solely incomes miles or factors in one in all these airline or resort loyalty packages. Keep in mind, you aren’t locked into one switch accomplice — you’ll be able to ship some factors to 1 program after which some to a different.
Beneath, we have listed all these companions, the switch ratios and the switch occasions found in our testing.
If you have not accomplished so, hyperlink your switch accomplice accounts to your Membership Rewards account. This may stop delays sooner or later when you’ll want to make a fast switch.
The very best methods to redeem Amex Membership Rewards factors
To get most worth on your factors, you’ll want to switch them to companions.
Listed below are only a few of our favourite redemptions:
- Fly to Hawaii on factors 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 value 111,500 KrisFlyer miles plus taxes and charges one-way, a small value for consolation on such an extended flight.
- Switch your Amex Membership Rewards factors to Iberia Membership: On off-peak dates, you’ll be able to 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 means.
- 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 means.
- Ebook home JetBlue award flights: Transferring your Membership Rewards factors to Etihad Visitor could be a good choice. JetBlue flights 500 miles or shorter inside North America value 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 resort you need.
For extra data on maximizing your Amex factors for journey, try our information to candy spots and extra with Membership Rewards factors.
Moreover, you may also use your factors to guide just about any journey via the Amex Journey platform. You often obtain a worth of 1 cent per Amex level. That is an OK worth, however not a spectacular technique to redeem your factors. It is nonetheless higher than the redemptions we’re about to get into, nonetheless.
Poor-value methods to redeem Membership Rewards factors
Sadly, a number of choices for redeeming your factors symbolize less-than-stellar worth and will usually be averted if you wish to maximize your hard-earned Amex Membership Rewards.
A few of these choices embrace:
- Utilizing factors for costs: This is sort of a cash-back choice overlaying eligible costs in your billing assertion. You may view the listing of eligible costs in your present on-line assertion. With this feature, you may solely obtain 0.6 cents per level.
- Utilizing Pay with Factors at checkout: After linking your Membership Rewards account with on-line retailers like Amazon, Greatest Purchase and Grubhub, you’ll be able to pay on your purchases at a barely higher (however nonetheless poor) worth of 0.7 cents per level. Though this feature can typically be helpful for promotions, you could wish to flip this off to stop unintentional use of your factors.
- Redeeming for taxi rides in New York Metropolis: You may redeem factors for sure New York Metropolis taxi fares at a worth of 1 cent per level.
- Redeeming for present playing cards: Relying on the service provider, these redemptions supply a worth between 0.5 cents and 1 cent per level.
Continuously 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:
- Log in to your Amex account.
- Go to the rewards part.
- Go to the switch part underneath rewards.
- Make sure the loyalty program you wish to switch your factors to is linked.
- Choose the accomplice you wish to switch to and provoke the switch.
It is vital to notice that when you make a switch, you won’t be able to reverse it.
Are there charges or taxes once I use Amex Membership Rewards factors?
Whereas there are not any charges to make use of Amex Membership Rewards factors, there’s a tax referred to 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 in all 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. Nevertheless, 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 accomplice program in another person’s identify, apart from a certified consumer in your Membership Rewards account who has been on the account for no less than 90 days.
Do Membership Rewards factors expire?
Membership Rewards factors don’t expire, supplied you retain no less than one card open that earns them. When you cancel your entire Amex Membership Rewards playing cards, it’s essential to redeem or switch your factors earlier than closing the final card. In any other case, you’ll forfeit the factors.
Backside line
Due to Amex’s beneficiant card gives, Membership Rewards factors are straightforward to earn and redeem. They’re additionally straightforward to make use of with a wide range 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 get monetary savings.
For charges and charges of the Amex Platinum Card, click on right here.
For charges and charges of the Amex Gold Card, click on right here.
For charges and charges of the Amex Enterprise Gold Card, click on right here.
For charges and charges of the Amex Enterprise Platinum Card, click on right here.
For charges and charges of the Blue Enterprise Plus Card, click on right here.
