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How To Earn 100,000 Amex Rewards Points in 90 Days [2026 ]

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Lori Zaino's image
Andrew Kunesh,Lori Zaino
Updated: 
Edited by: Michael Y. Park
& Kellie Jez
How To Earn 100,000 Amex Rewards Points in 90 Days [2026 ]
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Key Takeaways

  • Earn 100,000 American Express Membership Rewards points through welcome offers on premium cards like the Platinum Card® from American Express.
  • Get more bonus points per dollar spent, depending on the purchase category (e.g., travel, groceries, or dining).
  • Obtain more points by booking through AmexTravel.com, Amex Offers, or referring a friend to American Express.

The Membership Rewards program lets American Express cardholders earn points and redeem them for travel.

Many American Express credit cards earn Membership Rewards at a minimum of 1 point per $1 spent, with bonus categories offering up to 5x points per dollar, making it easy to rack up points with everyday purchases.

Plus, there are numerous other ways to earn points — you just need to have the right strategy in mind.

In fact, you can easily earn 100,000 American Express Membership Rewards points in just 90 days.

To prove just how easy that is, we’re going to show you how to do it in this article. We’ll start by looking at why you’d want 100,000 American Express points, then move on to some earning strategies, including applying for new credit cards, allocating spending, and taking advantage of Amex Offers.

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Why Earn 100,000 Membership Rewards Points?

There are many ways to redeem your Membership Rewards points, but the best way is to transfer them to one of American Express’ various transfer partners.

Plaza de España
You can easily jet to Europe on points, finding yourself in Seville’s Plaza España. Seville, Spain. Image Credit: Ben Neighbors-Giles

Membership Rewards points transfer to airlines across all major alliances, so you can book a ticket to Australia, Europe, or anywhere in between.

In fact, 100,000 miles is more than enough to get nearly anywhere in the world from the U.S. in economy class, and in some instances, even in business class.

How To Earn 100,000 or More Amex Membership Rewards Points (Fast)

Let’s take a look at how to actually earn these points.

1. Use Amex Membership Rewards Cards

American Express has a suite of different personal and business cards, each with varying benefits, point-earning rates, and annual fees.

Several American Express cards offer 2x, 3x, 4x, and even 5x points on purchases made at supermarkets, gas stations, and directly with airlines or through AmexTravel.com.

Study the list of personal and business American Express cards below and compare each of their points-earning rates with what you spend in a normal month. We’ve also listed out other various benefits for each card, so make sure to give them a look.

Platinum Card® from American ExpressTerms Apply / Rates & Fees
Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. 
As High As 175,000 Points. Find Out Your Offer.
Up to $3,850
$895
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

 

Pros & Cons
Pros
    • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
    • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
    • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
    • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash and Uber One, Resy, Saks Fifth Avenue credit, lululemon credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR+ credit, and Equinox credit)
    • TSA PreCheck or Global Entry credit
    • Access to American Express Fine Hotels and Resorts and Amex International Airline Program
    • Access to Amex transfer partners
    • No foreign transaction fees (rates and fees)

     

Cons
    • $895 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)

     

Read Full Review
Card Highlights
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
  • $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

 

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

 
NEW OFFER
American Express® Gold CardTerms Apply / Rates & Fees
American Express® Gold Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 100,000 Points. Find Out Your Offer.
Up to $2,200
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons
Pros
  • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
Read Full Review
Card Highlights
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary and you may not be eligible for an offer.

Top American Express Cards (Business)

ELEVATED WELCOME OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Business Platinum Card® from American Express
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 200,000 points
Up to $4,400
$895
17.74% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons
Pros
  • Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
  • Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
Cons
  • High annual fee of $895 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
Read Full Review
Card Highlights
  • Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
  • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
  • Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • $895 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 17.74% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

American Express® Business Gold CardTerms Apply / Rates & Fees
American Express® Business Gold Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
100,000 points
Up to $2,200
$375
17.74% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons
Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • U.S. purchases made from electronic goods retailers and software & cloud system providers
    • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
Read Full Review
Card Highlights
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
Financial Snapshot
  • APR: 17.74% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
The Blue Business® Plus Credit Card from American Express
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)
The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
Up to $330
No annual fee
16.74% - 26.74% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons
Pros
  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost
Cons
  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
Read Full Review
Card Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • No Annual Fee
  • Terms Apply.
Financial Snapshot
  • APR: 16.74% - 26.74% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

American Express Membership Rewards

Furthermore, each of these cards offers a welcome offer. This is a lump sum of points that you earn after spending a set amount of money on your new American Express account within a specified time of actually opening the account.

These minimum spending requirements are usually between $1,000 and $5,000 but can reach up to $20,000 for large business card offers. You can earn anywhere from 10,000 to 100,000 Membership Rewards points from these offers.

It can take up to 8 weeks for the points to appear in your account, but the welcome offer often posts sooner. In our experience, they generally post a few days after you meet the spending requirement.

Even better, the points you earn from the offer are in addition to the standard points you earn from spending on the card.

Depending on how much you spend and the card you apply for, you can meet or exceed your 100,000-point goal from signing up for a single Amex card.

2. Allocate Your Spending on the Right Cards

As we previously mentioned, each American Express card has different spending categories. Don’t be afraid to open a couple of Membership Rewards-earning cards over time. Doing this not only gives you multiple welcome bonus offers, it also lets you earn the maximum points on all of your everyday purchases, including groceries, restaurants, and plane tickets.

For example, if you had an Amex Gold card or the Amex Platinum card, you’d earn at least 3x points on several bonus categories.

For example, at restaurants and on up to $25,000 in purchases per calendar year at U.S. supermarkets, the Amex Gold card earns 5x points. And with the Amex Platinum card, you earn 5 points per $1 spent on flights purchased directly with the airline or AmexTravel.com (up to $500,000 per year).

Bottom Line:

Look through the American Express card lineup and apply for cards that align with your frequent purchase categories. Then make sure to use the right cards when you make purchases in said bonus categories. Depending on how much you spend, this can net you serious extra points every month.

3. Book Flights Through AmexTravel.com

Have an upcoming vacation or business trip? Book your flight through AmexTravel.com with any American Express card that earns Membership Rewards and earn bonus points. For example, the Amex Platinum card earns 5x points on all flight bookings (up to $500,000 per year) and prepaid hotel bookings through AmexTravel.com.

Any American Express card that doesn’t earn bonus points on flights earns 1 extra Membership Rewards point per $1 spent on flights booked through AmexTravel.com.

If you’d rather book your flight directly, you can still earn category bonuses with cards such as the Amex Platinum card and the Amex Gold card at 5 and 3 points per $1, respectively.

4. Check Out Your Amex Offers

Amex Offers 01 28 26 screenshot
Amex Offers can help you save money and earn points on purchases from select merchants. Image Credit: American Express

Most loyalty programs have shopping portals that award points for online purchases.

For example, United has MileagePlus Shopping, Southwest has Rapid Rewards Shopping, and Chase Ultimate Rewards has Shop through Chase.

American Express offers Amex Offers at the bottom of the page after you log in to your account, and you can click to enroll your card to the offers.

You can find offers from various merchants that provide statement credits or bonus Membership Rewards points for purchases. Make sure to use the specific card to which the offer is attached or you won’t earn the extra points or the statement credit.

For example, we’ve seen an offer that gives some cardholders 3,000 Membership Rewards points for spending $300 or more at Best Buy. Just note that you need to charge your Best Buy purchase to your American Express card to earn points.

Keep in mind that once you add an Amex Offer to a card, you won’t be able to add it to other cards. If you have separate logins, you can add them to multiple cards. Make sure you check the terms and conditions of each offer to ensure your purchase is eligible for the statement credit or bonus points.

Hot Tip: Check out the best current Amex Offers, from travel and dining to entertainment and shopping.

5. Refer a Friend to Membership Rewards Cards

Check your current referral offers to discover how many points you can earn for referring friends to specific American Express cards. Offers vary, but you can usually earn 5,000 to 30,000 Membership Rewards as a referral bonus.

Go to the section that says “Amex Offers & Benefits” at the bottom of your online account summary and click the button that says “Refer Now” to find current offers. You should have the option to share via email or to copy the link and share it.

For more information, check out our guide to the American Express Refer A Friend program.

6. Use the Rakuten Shopping Portal for Even More Points

Rakuten Amex Points
Earn lots of Amex points by shopping via Rakuten. Image Credit: Rakuten

As we mentioned earlier, American Express doesn’t have its own shopping portal. However, the company partners with Rakuten (formerly Ebates) to offer Membership Rewards points rather than cash-back.

Rakuten lets you earn bonus Membership Rewards points when you click through a link on its website before you make a purchase with select merchants online. The number of points you earn is based on how much you spend, and you might see solid bonuses, such as 15x points.

Using Rakuten is simple. Create an account, select Membership Rewards earnings instead of cash-back, and make sure your Amex account is connected to Rakuten. Then find the merchant you’d like to purchase from and click on it.

You’ll then be redirected to the merchant’s website, where you can make your purchase as usual. The points will post to your Rakuten account within a few days. The points will be transferred to your Membership Rewards account.

If you have a lot of shopping to do, especially around the holidays, you can rack up Amex points quickly using Rakuten, especially if you’re savvy about getting the best bonuses.

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Use 100,000 or More Amex Membership Rewards Points

So, you’ve earned 100,000 Membership Rewards points — now what?

You definitely want to read our guide to redeeming Membership Rewards points. This article gives you a look at all of the best Membership Rewards redemptions. We also have a few Amex award sweet spots you should consider. And don’t forget: If you transfer your points during transfer bonus periods, they go even further.

But first, here are a few quick suggestions on how you can use your points:

  • Fly Virgin Atlantic to London in economy: Flying in economy isn’t our favorite, but flying to London from the East Coast can cost as low as 6,000 Flying Club Points (or 9,000 from the West Coast of the U.S.) in economy, which is an amazing deal.
  • Fly to Tokyo in first or business class on ANA: One of our favorite redemptions is transferring Membership Rewards points to Virgin Atlantic and then using those points to book a first- or business-class ticket from the U.S. to Tokyo on ANA. Flying Club has a zone-based award chart for ANA award redemptions: ANA business class between the West Coast and Japan costs 52,500 points, ANA business class between the Midwest or the East Coast and Japan costs 60,000 points, ANA first class between the West Coast and Japan costs 72,500 points, and ANA first class between the Midwest or the East Coast and Japan costs 85,000 points.
Iberia Feb 2026
Flying to Spain from the Midwest for under 10,000 Avios one-way. Image Credit: Iberia
  • Fly between Madrid and Chicago on Iberia: Prices can be as low as 9,600 Avios in economy, 29,500 Avios for premium economy, and 36,450 Avios for business-class, one-way on off-peak dates on Iberia.
  • Fly Singapore Suites: Singapore Suites is one of the best first-class products in the world. The newest variant of this product has a separate bed and seat, so you can dine and eat in comfort. You can fly this product from New York (JFK) to Frankfurt (FRA) for as low as 106,500 Membership Rewards points transferred to Singapore Airlines and minimal taxes.
  • Transfer bonus promotions: American Express often runs transfer bonus promotions to select airline partners. If there is a promo for an airline partner that you are planning to use to book an award flight, take advantage of 10%, 15%, 20%, or even 40% transfer bonuses (our transfer partner calculator is an easy way to see current offers!).

Final Thoughts

With Amex credit cards, Amex Offers, and shopping on Rakuten, you’ll soon be well on your way to earning 100,000 or more Membership Rewards points — especially if you apply for multiple Amex cards. In fact, earning points has never been easier.

Redeeming, though, is a learning curve, so make sure to read up on the best redemptions and research transfer partners so you can get the most out of your Amex points.

Featured Image Credit: Upgraded Points LLC

Frequently Asked Questions

What are American Express Membership Rewards points?

Membership Rewards, the American Express loyalty program, gives you points for using Membership Rewards cards and making purchases from Membership Rewards partners. You can redeem these points for free travel, gift cards, merchandise, and more.

How much are Amex Membership Rewards points worth?

We value Amex Membership Rewards at 2.2 cents per point. That said, you can get the most value out of your points by transferring them to an airline partner and booking an award flight.

Can you transfer American Express Membership Rewards points?

You can transfer Amex Membership Rewards points to participating airline and hotel loyalty programs as long as you have an eligible American Express credit card. You’ll know your card is eligible if the option to transfer points is listed on your account page under the heading entitled “Use Points” when you log in to your account

What are Amex Offers?

If you have at least 1 Membership Rewards credit card, you will periodically receive targeted offers to earn additional bonus points. Previous offers have included bonus points for purchases made at Home Depot, Best Buy, and for shopping on Amazon.

Do Membership Rewards points expire?

American Express Membership Rewards points don’t expire as long as your account is open and current. If your account is terminated by American Express or if you no longer have at least 1 account that participates in Membership Rewards, your points will expire.

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About Andrew Kunesh

Andrew was born and raised in the Chicago suburbs but now lives in Queens, New York.

He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 40 countries, 20 travel credit cards and 3 airline statuses under his belt. Andrew was formerly a Senior Editor at The Points Guy and CNN Underscored.

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