With an American Categorical card that earns Amex Membership Rewards factors, cardholders can redeem factors by way of American Categorical Journey for accommodations (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 professional or not, you too can maximize your Amex Membership Rewards factors by transferring them to Amex’s airline and lodge companions. With many choices to redeem and maximize your hard-earned factors, your Amex rewards are extraordinarily precious.
Here is find out how 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. You probably 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 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 of a number of the most respected and helpful factors you possibly can earn due to their flexibility. Per TPG’s September 2025 valuations, Amex factors are price 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 best 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
Here is a take 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 the very best Amex card.
| Card | Welcome supply | Incomes charges | Annual payment | Notable perks |
|---|---|---|---|---|
| The Platinum Card® from American Categorical | Discover out your supply 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 gives range, and also you is probably not eligible for a suggestion. |
|
$895 (see charges and costs) |
Enrollment is required for choose advantages; phrases apply. Take a look at a full record of Amex Platinum card advantages. |
| The Enterprise Platinum Card® from American Categorical | Earn 200,000 factors after spending $20,000 on eligible purchases inside the first three months of card membership. |
|
$895 (see charges and costs) |
Enrollment is required for choose advantages; phrases apply. Take a look at a full record of Amex Enterprise Platinum card advantages. |
| American Categorical® Gold Card | Discover out your supply 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 gives range, and also you is probably not eligible for a suggestion.
|
|
$325 (see charges and costs) |
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 costs) |
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 costs) |
*Eligibility and profit degree range 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
Upon getting one (or extra) of the above playing cards, there are extra choices for incomes Amex factors. The primary is leveraging Rakuten, one in every of TPG’s favourite on-line procuring portals. By Rakuten, you possibly can choose to earn money again or Membership Rewards factors.
If you do not have an account, you possibly can enroll and luxuriate in a regular one-time bonus of $30 whenever 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 hyperlink 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.
You may as well earn Amex Membership Rewards factors by way of referral bonuses. You will obtain a set variety of factors when somebody makes use of your referral hyperlink and is authorised. Understand 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 virtually each main route and metropolis worldwide.
Thus, incomes Membership Rewards factors is normally extra profitable than solely incomes miles or factors in one in every of these airline or lodge loyalty packages. Keep in mind, you aren’t locked into one switch associate — you possibly can ship some factors to at least one 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 carried out so, hyperlink your switch associate accounts to your Membership Rewards account. This can forestall delays sooner or later when it’s worthwhile to make a fast switch.
The perfect methods to redeem Amex Membership Rewards factors
To get most worth to your factors, it would be best to switch them to companions.
Listed below are just some 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 need 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 costs one-way, a small value for consolation on such a protracted flight.
- Switch your Amex Membership Rewards factors to Iberia Membership: 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 financial system, 29,500 Avios in premium financial system and 40,500 Avios in enterprise class every means.
- Switch your Amex Membership Rewards factors to Air France-KLM’s Flying Blue program: E-book business-class flights from North America to Europe beginning at simply 60,000 Flying Blue miles every means.
- E-book home JetBlue award flights: Transferring your Membership Rewards factors to Etihad Visitor generally is 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 lodge you need.
For extra info on maximizing your Amex factors for journey, try our information to candy spots and extra with Membership Rewards factors.
Moreover, you too can use your factors to guide just about 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 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 characterize less-than-stellar worth and will usually be prevented if you wish to maximize your hard-earned Amex Membership Rewards.
A few of these choices embrace:
- Utilizing factors for prices: This is sort of a cash-back choice protecting eligible prices in your billing assertion. You’ll be able to view the record of eligible prices in your present on-line assertion. With this selection, 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 possibly can pay to 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, chances are you’ll need to flip this off to forestall unintentional use of your factors.
- Redeeming for taxi rides in New York Metropolis: You’ll be able to 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.
Ceaselessly requested questions
Listed below are some solutions to incessantly requested questions we have seen about Amex Membership Rewards.
How do I switch Amex Membership Rewards factors to airways?
To switch Membership Rewards factors, observe these steps:
- Log in to your Amex account.
- Go to the rewards part.
- Go to the switch part beneath rewards.
- Make sure the loyalty program you need to switch your factors to is linked.
- Choose the associate you need to switch to and provoke the switch.
It is necessary to notice that after 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 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 in every of Amex’s U.S.-based airline companions, like Delta SkyMiles and JetBlue TrueBlue.
Are you able to pool or share Amex factors?
You probably have a number of Membership Rewards points-earning playing cards, the factors will all be pooled in your Amex account. Nonetheless, Amex would not let you switch factors between accounts, even when it is between members of the family. Amex additionally would not let you switch your factors to a associate program in another person’s title, aside from a licensed consumer 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. Should you cancel all your Amex Membership Rewards playing cards, you have 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 gives, 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 get monetary savings.
For charges and costs of the Amex Platinum Card, click on right here.
For charges and costs of the Amex Gold Card, click on right here.
For charges and costs of the Amex Enterprise Gold Card, click on right here.
For charges and costs of the Amex Enterprise Platinum Card, click on right here.
For charges and costs of the Blue Enterprise Plus Card, click on right here.
