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When it comes to earning Membership Rewards points, you have lots of Amex credit card options to choose from. American Express offers a wide range of personal and business credit cards with a variety of bonus categories to boost your earnings.
To take advantage of this earning potential, you’ll need to determine which cards are right for you. Then, with a simple strategy, you’ll be on your way to earning some serious points and reaping the rewards.
Before long, you’ll have enough points to book a family vacation or a luxury trip for yourself. Amex points are transferable to nearly 20 airlines and 3 hotel loyalty program partners, which makes booking a trip on points even easier.
In this article, you’ll learn why you’d want to earn Membership Rewards points, which personal and business American Express credit cards earn Membership Rewards points, and all of the other ways you can earn Membership Rewards points.
Now, let’s dive into all the best ways to earn Membership Rewards.
The Value of Membership Rewards Points
Flexibility of Membership Rewards Points
Flexible redemption options for your Membership Rewards points result in rewards that you can easily use. Here are some examples:
Redeem rewards at any time for any amount per transaction
Transfer rewards between business and personal Membership Rewards accounts
Use a combination of points and cash for travel purchases
Have the option to redeem points for cash, gift cards, and more
Ease of Earning Membership Rewards
It’s easy to earn Membership Rewards points on purchases when your mix of spending matches the reward-earning categories on your American Express credit card.
Every purchase made earns Membership Rewards points
Bonus category purchases earn multiple Membership Rewards points per dollar spent
Generous welcome offers jumpstart your earnings
Earn Membership Rewards points through Amex Offers
Bottom Line: Membership Rewards points are valuable because of their flexibility at redemption time and the ability to earn points quickly.
Earn Lots of Membership Rewards With American Express Personal Cards
Personal Cards That Earn Membership Rewards Points
Not all American Express personal cards earn Membership Rewards points, but American Express issues several cards that do.
You can earn valuable transferable Membership Rewards points on any of these recommended personal cards:
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
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 cardapplication.
Good to Excellent (670-850)
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
The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
5x points per $1 spent on prepaid hotels booked with American Express Travel
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue 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
Airline credit does not cover airfare (only incidentals like checked bags)
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
The rating for this card has been determined by our own industry experts who know the in's and out's 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!
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!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
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 cardapplication.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year in purchases, 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
4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
Bottom Line: Whether you need a personal card that earns rewards on everyday purchases or a business card with perks and business bonus earning categories, American Express offers choices with several options that earn Membership Rewards.
1. Introductory Welcome Offers
The fastest way to earn plenty of Membership Rewards points is to apply for an American Express card that earns Membership Rewards, complete the initial spending requirement, and earn a welcome offer.
Although offers can differ, a welcome offer is generally earned after completing an initial spending level in the first 90 days after you are approved for the card.
2. Flights Booked With Airlines
If you spend a lot on airfare, you’ll earn plenty of Membership Rewards points booking directly with the airline:
5x points for flights booked with Amex Travel (up to $500,000 on these purchases per calendar year) and 5x points on prepaid hotels booked with Amex Travel
Hot Tip: The “supermarkets” category does not include wholesale clubs such as Costco or Sam’s Club.
5. Earn Points on Dining
You might consider picking up the tab more often if you’re earning lots of Membership Rewards points on your dining purchases.
The Amex Gold card earns 4x points per dollar spent at restaurants, plus takeout and delivery in the U.S.
Also, it’s worth noting that “restaurants” do not always include eateries inside hotels or resorts — those are sometimes coded as hotel transactions.
6. Earn Points at Gas Stations
You’ll earn 2 Membership Rewards points for every dollar spent at U.S. gas stations with the Amex EveryDay Preferred card.
7. Frequent Transaction Bonuses
American Express wants you to use your card often and offers an incentive for frequent purchases. Keep these cards in your wallet to earn up to 50% more Membership Rewards points each statement period.
Make 30 or more purchases in 1 billing cycle and receive 50% more points on each of those 30 or more purchases
Bottom Line: With so many bonus categories, personal American Express cards offer a variety of ways to earn lots of Membership Rewards.
Earn Lots of Membership Rewards With American Express Business Cards
Business Credit Cards That Earn Membership Rewards Points
If you own a business, you’ll want to select a business card that earns the most rewards on your highest expenses. Amex has several options to choose from.
The rating for this card has been determined by our own industry experts who know the in's and out's 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!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% 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 cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
The rating for this card has been determined by our own industry experts who know the in's and out's 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).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$295
19.49% - 27.49% 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 cardapplication.
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
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses , and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! 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
Purchase protection and extended warranty protection
Trip delay insurance
Car rental insurance
Cell phone insurance
Cons
$295 ($375 if application is received on or after 2/1/24) annual fee (rates and fees)
No elite travel benefits like airport lounge access or elite status
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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
$330
No annual fee
18.49% - 26.49% 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 cardapplication.
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
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
Charges foreign transaction fees
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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 18.49% - 26.49% 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.
American Express business cards offer lucrative introductory bonuses that vary depending on current promotional offers and the specific card you select.
Just choose the card that is right for you based on your spending habits, your tolerance for an annual fee, and whether the card offers benefits you can use.
9. Flights Booked With Airlines
If airfare is your highest expense during your monthly statement period, the Amex Business Gold card will earn 4 Membership Rewards points per dollar spent when purchasing airfare directly with the airline.
Earn more Membership Rewards Points on the Amex Business Platinum card when you make a large purchase. Image Credit: Rrraum via Shutterstock
The Amex Business Platinum card offers 1.5x for eligible purchases on your card made at U.S. construction material and hardware suppliers, at U.S. electronic goods retailers and software and cloud system providers, and at U.S. shipping providers as well as on each eligible purchase of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).
12. Earn Points on Other Business Expenses
Business bonus categories on the Amex Business Gold card elevate rewards-earning on your highest business expenses each statement period.
The Amex Blue Business Plus card ensures every business expense you make (up to $50,000 per year) earns 2x points.
4x points per dollar when expenses qualify as 1 of 6 bonus categories and applies to the first $150,000 in combined purchases from the 2 categories each calendar year; earn 1x thereafter
2x points on everyday business purchases for the first $50,000 in purchases per year; 1x thereafter
Hot Tip: One major benefit of the Amex Business Gold cardis that bonus category earnings are automatic — you don’t have to pre-select your bonus categories. Whichever 2 categories have the most expenses each statement period will earn 4 points per dollar spent (up to $150,000 in combined purchases per calendar year).
15. Earn Rewards on Every Purchase
Every business American Express card we’re discussing here earns at least 1 Membership Rewards point for every dollar spent on every purchase you make.
More Ways To Earn Membership Rewards Points
16. Add an Authorized User
American Express occasionally targets current cardholders and offers Membership Rewards points for adding authorized users. The offer usually comes in the form of an email.
Be on the lookout for your own personal offer to earn additional Membership Rewards points!
17. Amex Offers
You can earn thousands of extra Membership Rewards points each year with Amex Offers. These offers, which deliver great deals and bonus earning potential at select merchants, can be accessed at the bottom of your account home screen once you log in.
From there, you can add special offers to your card that will help you earn extra Membership Rewards points.
All cards, even cash-back credit cards, have their own offers — and there are tons of possibilities to use these to build your rewards bank!
18. Earn Big With Refer-a-Friend
Refer friends for American Express cards and earn thousands of Membership Rewards points. Image Credit: American Express
Earn bonus points when you refer a friend for an American Express card. If they apply and qualify for the card using the link you’ve sent to them, you will get bonus points credited to your account.
Refer a friend by logging in to your Amex online account to get and send your special referral link.
The points vary depending on the card, but both you and your friend will benefit: a special bonus points offer for you and a welcome offer for them. Take a look at this example of a fantastic Amex Gold referral bonus offer.
Hot Tip: You don’t have to have the specific American Express card you are referring to, and you can earn bonus points when referring a friend for most American Express credit cards.
19. Earn Points Shopping In-store and Online by Linking to Rakuten
Rakuten (formerly Ebates) is a shopping portal with in-store and online offers at thousands of merchants. While Rakuten and many similar platforms have long offered cash-back awards, Rakuten is the first to partner with a transferable credit card points program.
You can now earn Amex Membership Rewards points at the same rates as cash-back! At our current points valuations, that is nearly double the value.
New users can sign up online where you’ll be asked to enter your email address and Amex online account credentials. Existing users should go to Account Settings and change their payment method to Switch to Membership Rewards points (you’ll need to enter your Amex online account credentials when prompted).
Hot Tip: Using Rakuten to shop in-store, you need to link your credit card and manually activate in-store offers each time you shop. When shopping online, you don’t need to link your credit card, though you do need to start your shopping at the Rakuten site.
Final Thoughts
Membership Rewards are easy to earn when the card you select matches your spending profile and rewards your largest purchases.
Whether through introductory bonuses, category-focused spending, or spending on everyday purchases, you will be on your way to earning a lot of American Express points.
Earning lots of Membership Rewards points is exciting, but redeeming them is even better. Soon enough, you’ll be redeeming points for some amazing award flights that will take you around the world!
The information regarding the The Amex EveryDay® Preferred Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here. For rates and fees of the American Express® Gold Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees of the American Express® Business Gold Card, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Which credit cards earn Membership Rewards points?
There are many different Amex reward program cards out there, and many people use a combination of cards in order to maximize their points earned. The most popular cards are:
The value of Amex Membership Rewards points depends on where you are redeeming your points. A really poor redemption, such as redeeming points for purchases at Amazon, has a value of about 0.5 cents per point.
Other airline and hotel partners of Amex Membership Rewards return a value up to 10 cents per point!
That’s like getting a $100 ticket for the equivalent of about 1,000 points.
When do Amex Membership Rewards points post in your account?
Membership Rewards points earned will appear as “pending” in your account at the end of a billing cycle (after your statement closes). This means you can sometimes wait months for points to post — whether from purchases or welcome offers.
In their “pending” state, points are eligible to be used if you are in a hurry to use them. As long as your account is in good standing, call up Amex and the representative will turn pending points into posted points immediately.
This may require speaking to a few different agents or a supervisor to make it happen.
When do Amex Membership Rewards points expire?
Amex Membership Rewards points do not expire. The only way you can lose points is if you close all of your Amex Membership Rewards credit cards.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.