How to Earn 100k+ Amex Membership Rewards Points [in 90 Days]

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For American Express cardholders, the Membership Rewards program provides a fantastic opportunity to earn points and redeem them for travel.

Many American Express credit cards earn Membership Rewards at a minimum of 1X point per dollar spent with bonus categories offering up to 5X points per dollar. As a cardholder, you’re automatically enrolled in the program, so all you have to do is use your card to earn the points.

We’re confident that you can earn 100,000 American Express Membership Rewards points in just 90 days and we’re going to show you how to do it.

For additional strategies to earn tons of Membership Rewards, we also recommend reading our guide to earning Membership Rewards points.

Why Would You Want to Earn 100k Membership Rewards Points?

Amex Membership Rewards Airline Partners Europe
Visit London — and Big Ben — when you transfer Membership Rewards points to participating airline loyalty programs!

Earning 100,000 Membership Rewards points is easier than you might think. With just 1 or 2 American Express cards, you will be well on your way to 100,000 points!

You might be wondering why you would want to earn a ton of Membership Rewards. Well, take a look at some of the best ways to redeem Membership Rewards and you’ll see why.

You can redeem points for travel by transferring your points to Amex partners like Delta Air Lines, Air France/KLM, Singapore Airlines, and more!

Transferring Membership Rewards to airline partners is almost always the best way to get maximum value from your hard earned points. Don’t be fooled by attempts to get you to redeem them for gift cards, statement credits, and products.

1. Use Amex Membership Rewards Credit Cards

You can see from the table below that many American Express credit cards participate in Membership Rewards. Several of these cards offer 2X, 3X, and even 5 points per dollar on purchases made at supermarkets, gas stations, and directly with airlines or through AmexTravel.

Recommended Amex Cards (Personal)

The Platinum Card® from American Express - There's currently a welcome bonus of 60,000 points after spending $5,000 in your first 3 months. This is our favorite card for getting into 1,200+ airport lounges worldwide (including Priority Pass) and we get about $1,500+ in value from the card every year.

Plus, get up to $200 in Uber credits annually ($15 per month and a $20 bonus in December) — and up to $200 in annual credit for airline incidental charges (e.g. baggage fees). For rates and fees of the Platinum Card, click here.
American Express® Gold Card - We love using this card as it earns 4x points at restaurants worldwide and 4x points at US supermarkets (up to $25,000; then 1x). There's no better card in our opinion if you eat out and/or shop at supermarkets regularly.

With a welcome bonus of 35,000 points after you spend $2,000 in your first 3 months and a $100 airfare credit per year, for many this is an easy addition to your wallet. For rates and fees of the Gold Card, click here.

Recommended Amex Cards (Business)

The Business Platinum Card® from American Express - Even though this card carries a hefty annual fee, we get ~$1,250+ in value per year by leveraging as many of the benefits/perks card.

Get access to 1,200+ airport lounges worldwide, $200 in airline fee credits for incidentals (e.g. baggage fees) and a lot more. Also, earn a welcome bonus of up to 75,000 points (terms apply). For rates and fees of the Business Platinum, click here.
American Express® Business Gold Card - probably our favorite Amex business card because we earn 4x points across the top 2 select categories that we spend the most money in each month. The 4x points applies to the first $150,000 in combined purchases from these 2 categories each calendar year. This means you'll max out at a (whopping) 600,000 points per year. After that, you earn 1x. For rates and fees of the Business Gold Card, click here.
The Blue Business® Plus Credit Card from American Express - This is a real simple card that earns you 2x points on business purchases up to $50,000 annually (then 1x). There's no annual fee. For rates and fees of the Blue Business Plus, click here.

Click on a link in the tables above to find out how many points you can earn from the current welcome offers and see the bonus categories for each card.

Keep in mind that you are often required to reach a particular spending threshold to receive the bonus. These minimum spend requirements are usually between $1,000 and $5,000, but they can reach up to $20,000 for large bonuses on business cards. You can earn anywhere from 10,000 to 100,000 Membership Rewards points thanks to these introductory bonuses.

It can take up to 8 weeks for the points to appear in your account, but the welcome bonus often posts sooner than that.

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

2. Book Flights Through American Express Travel

Book your flight through American Express Travel with any American Express card that earns Membership Rewards, and you’ll earn bonus points!

If you’d rather book your flight directly, you can still earn category bonuses with cards such as The Platinum Card® from American Express and the American Express® Gold Card at 5X and 3X points per dollar, respectively.

The Business Platinum Card® from American Express earns 5X points per dollar when booking flights through American Express Travel.

Hot Tip: The American Express® Gold Card earns 3X points per dollar for all airfare purchased directly from an airline.

3. Check Out Your Amex Offers

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 the Chase Shopping Mall.

While American Express used to have a shopping mall, it has been replaced by Amex Offers. It’s located at the bottom of the page once you log into your account.

You will find select offers from various merchants that will 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.

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 will be able to add it 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.

4. 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 15,000 Membership Rewards as a referral bonus.

Go to the “Amex Offers & Benefits” section at the bottom of your online account summary and click the “Refer Now” button to find current offers. You will have the option to share via email or to copy the link and share as you please. More more information check out our guide to the American Express Refer A Friend program.

How to Use 100k+ American Express Membership Rewards Points

Have we inspired you to begin earning tons of American Express Membership Rewards points? We hope so!

You’re probably wondering what to do with 100,000 Membership Rewards now that you’ve earned them. You’ll definitely want to read our guide to redeeming Amex Membership Rewards, which provides the best strategies available to you! Here are a few suggestions to give you an idea:

Grab a Lei and Head to Hawaii: Transfer points to Flying Blue and fly to Hawaii on Delta Air Lines from the continental U.S. with someone special for 30,000 miles per person for a round-trip booking in economy class.

Visit North Africa’s Greatest Cities: After transferring points to Singapore Airlines, you can fly on a Star Alliance airline to a country in North Africa (such as Morocco) or the Middle East from the U.S. in first class for 90,000 miles! Business class is only 69,000 miles one-way.

Walk the Fox Glacier in New Zealand: A round-trip economy flight from the U.S. to New Zealand on a Star Alliance partner airline is only 90,000 Air Canada Aeroplan miles. Plus, you can add 2 stopovers to get even more value out of your trip.

Transfer Bonus Promos: 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.

Final Thoughts

Between using credit cards and making purchases from Amex partners, you’ll be well on your way to earning 100k+ Membership Rewards points. With so many points in your account, your next step is figuring out your next amazing vacation.


What are American Express Membership Rewards points?

Membership Rewards, the American Express loyalty program, gives you points for using Membership Rewards credit cards and making purchases from Membership Rewards partners. Those points can then be redeemed for free travel, gift cards, merchandise, and more.

Which Amex cards earn Membership Rewards points?

How much are Amex Membership Rewards points worth?

The value of Membership Rewards points will depend on the redemption chosen. You’ll get the most value out of your points by transferring them to an airline partner and booking an award flight. To really get everything out of your points, your best options will be international business class or first class flights.

When do Amex Membership Rewards points officially post to your account?

Although points will appear as “pending” at the end of the billing cycle during which they were earned, it can still take a couple of months for points to become available.

If you ask, an Amex representative might release pending points so you can transfer the points to an airline for a redemption.

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 “Use Points” when you log in to your account.

A complete list of the Amex credit cards that do NOT offer the option to transfer Membership Rewards points to a loyalty program is available here.

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 will not expire as long as your account is open and current.

Jennifer Koebele

About Jennifer Koebele

Jennifer ("Jen") is a self-proclaimed travel geek. Her favorite spot to relax is the beautiful resort town of Interlaken, Switzerland, which she first visited as a toddler. The Alpine city of Annecy, France is a close second. There's nothing Jen loves more than discovering (and writing about) how to find a good bargain.

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