With an American Specific card that earns profitable Membership Rewards factors, cardholders can redeem factors by means of American Specific Journey for accommodations (together with trip leases), automobile leases, cruises and flights or choose to make use of their factors for assertion credit, reward playing cards and extra.
Whether or not you are a factors knowledgeable or not, you may as well maximize your Membership Rewards factors by transferring them to Amex’s 21 airline and lodge companions. With many choices to redeem and maximize your hard-earned factors, your Membership Rewards factors are extraordinarily precious.
Hold studying to study extra about how one can redeem factors, maximize Amex advantages and the perfect Amex playing cards to earn Membership Rewards factors.
What are Amex Membership Rewards factors?
Membership Rewards factors are the rewards foreign money of American Specific. When 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 lodge factors with a hotel-branded card. Plus, relying in your Amex card, you may as well earn bonus factors in sure spending classes.
On the planet of factors and miles, American Specific Membership Rewards factors are thought of a few of the most respected and helpful factors you’ll be able to earn due to their flexibility. Per TPG’s March 2025 valuations, Amex factors are value 2 cents per level. Since Membership Rewards factors are a type of transferable foreign money — Amex at present has 18 airline and three lodge companions — there are a lot of methods to get probably the most worth out of your factors if you switch them to companions.
Associated: How (and why) you must earn transferable bank card factors in 2025
How do I earn Amex Membership Rewards factors?
The simplest method to earn many Membership Rewards factors is by making use of for a Membership Rewards points-earning American Specific card. Amex provides 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 day by day spending.
Incomes Membership Rewards factors from playing cards
Here is a take a look at the welcome provide, bonus-category construction, annual charge and advantages for every of the six most respected Membership Rewards playing cards that will help you select the perfect Amex card.
| Card | Welcome provide | Bonus classes | Annual charge | Perks |
|---|---|---|---|---|
| The Platinum Card® from American Specific | 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 straight 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 accommodations booked with American Specific Journey. | $695 (see charges and charges) |
Enrollment is required for choose advantages. |
| The Enterprise Platinum Card® from American Specific | 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 accommodations 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 charges and charges) |
Enrollment is required for choose advantages. |
| American Specific® 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 straight with airways or on American Specific Journey and a couple of factors per greenback spent on pay as you go accommodations and different eligible purchases booked on amextravel.com. | $325 (see charges and charges) |
Enrollment is required for choose advantages. |
| American Specific® Enterprise 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 accommodations when booked on Amex Journey and 1 level per greenback spent on different purchases. | $375 (see charges and charges) |
Enrollment is required for choose advantages. |
| American Specific® Inexperienced 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 |
Enrollment is required. |
| The Blue Enterprise® Plus Credit score Card from American Specific | 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 charges and charges) |
*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
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 buying portals. Previously referred to as Ebates, the location as soon as supplied money again to buyers who clicked by means 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’ll be able to join and revel in a one-time bonus of $30 if you spend at the very least $30 inside 90 days of changing into a member.
Do Amex factors expire?
Membership Rewards factors don’t expire, offered you retain at the very least one card open that earns them.
For those who cancel all Membership Rewards Amex playing cards, you could redeem or switch your factors earlier than closing the final card. In any other case, you’ll forfeit the factors.
Who’re the Amex Membership Rewards switch companions?
By transferring Membership Rewards factors to 18 airline and three lodge switch companions, you’ll be able to seek for award journey throughout the globe, masking nearly each main route and metropolis. Thus, incomes Membership Rewards is normally extra precious than solely incomes factors in one in every of these airline or lodge loyalty packages. Bear in mind, you aren’t locked into one switch accomplice — you’ll be able to 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 executed so, hyperlink your switch accomplice accounts to your Membership Rewards account. This can forestall delays sooner or later when you have to make a fast switch.
The most effective methods to redeem Amex Membership Rewards factors
There are limitless methods to make use of these switch companions to get most worth on your Membership Rewards factors. Listed below are just some of our favourite redemptions:
- Fly to Hawaii on factors and miles: Switch your factors to Singapore KrisFlyer and you will 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 primarily based elsewhere within the nation can e-book nonstop or connecting flights on United Airways. You may pay 19,500 KrisFlyer miles for a one-way economic system ticket or 39,000 miles for enterprise class. This contains 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 price 111,500 KrisFlyer miles plus taxes and charges one-way, a small worth for consolation on such a protracted flight.
- Switch your Amex factors to Iberia Plus: 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 17,000 Avios in economic system, 25,500 Avios in premium economic system and 34,000 Avios in enterprise class every means. It is a steal — most airways cost at the very least 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 means.
- Ebook home JetBlue award flights: Following numerous devaluations from Avios packages 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 price simply 6,000 Etihad Visitor miles.
Simply keep in mind that transfers are irreversible, so you must solely switch your Amex factors as soon as you have confirmed the award house for the flight or lodge you need.
For extra info on maximizing your Amex factors for journey, take a look at our information on reserving business-class flights and extra with Membership Rewards factors.
Moreover, you may as well use your factors to e-book nearly any journey by means of the Amex Journey platform. You normally obtain a price of 1 cent per Amex level. That is an OK worth however not a spectacular method to redeem these factors.
Poor-value methods to redeem Membership Rewards factors
Sadly, a number of choices for redeeming your factors signify lower than stellar worth and will usually be prevented if you wish to maximize your hard-earned rewards. These embrace:
- Utilizing factors for fees: This is sort of a cash-back possibility masking eligible fees in your billing assertion. What are eligible fees? You’ll be able to view the checklist of eligible fees out of your present on-line assertion. With this selection, you will solely obtain 0.6 cents per level, so it isn’t an important return.
- Utilizing Pay with Factors at checkout: After linking your Membership Rewards account with on-line retailers like Amazon, Finest 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 selection can generally be helpful for promotions, it’s possible you’ll wish to flip this off to forestall unintended 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 price of 1 cent per level.
- Redeeming for reward playing cards: One of many worst choices is redeeming your factors for reward playing cards. Relying on the service provider, these redemptions are value wherever from 0.5 cents to 1 cent apiece.
Backside line
Due to Amex’s beneficiant card provides, 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 will help prevent cash.
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, please click on right here.
