11 Best Ways to Earn Lots of American Express Membership Rewards Points

Full Disclosure: We may be compensated when you click on links to credit card products from our advertising partners, such as American Express, Chase & Barclays. Opinions on this site are ours alone, and have not been reviewed or approved by the issuer. See our Advertiser Disclosure for more details. Thanks!

When it comes to earning Membership Rewards points, you have lots of Amex credit card options from which to choose. American Express offers a wide range of personal and business credit cards with a variety of bonus categories to boost your earning.

To take advantage of the strategies that can earn you the most Amex points, you’ll need to figure out which cards are right for you.

With a simple strategy, you’ll be on your way to earning some serious points. Amex points are transferable to over 10 airlines and 3 hotel loyalty program partners, which makes booking a trip on points even easier.

Now, let’s dive into the 10 best ways to earn Membership Rewards.

Use a Membership Rewards Credit Card

If you want to earn Amex points, you’re going to need to get an American Express card. The many cards they offer provide great opportunities to earn points for your next trip.

1. Amex Credit Card Welcome Bonuses

Many American Express credit cards offer lucrative introductory bonuses. Amex offers a variety of cards so you can choose the card that is right for you based on your spending habits.

You will need to consider the annual fee and your spending habits to determine which credit card is right for you. Below is a list of credit cards that earn Membership Rewards points directly.

Recommended Amex Cards (Personal)

Recommended Amex Cards (Business)

Occasionally, you will receive an offer of additional bonus points for adding authorized users to your account. You can also receive extra points for referring a friend to apply for the card.

After you receive the card in the mail, activate and start using it! Be sure to meet the minimum spending requirement within the time limit (often your first 3 months) to be certain you will receive the bonus points.

using american express membership rewards cards
You can use Membership Rewards cards to earn bonus points in over 9 bonus categories! One of those includes U.S. supermarkets, which is great for common spending.

2. Category Bonuses

By simply planning your spending and knowing which cards earn you bonus points on what types of purchases, you’ll be able to earn points on every purchase.

*For all bonuses, Terms and Conditions apply

It’s important to think about how you currently spend when considering which card is right for you.

If you love to cook at home and buy groceries regularly, then a card like the Amex EveryDay® Preferred Credit Card from American Express would be a great option since you’ll earn 3x points on all purchases at U.S. supermarkets.

However, beware of category restrictions!

The stores you shop at may not qualify even if it seems like they should. Did you know that “supermarkets” often do not include wholesale superstores like Costco and Sam’s Club? Also, “restaurants” do not always include eateries inside hotels or resorts.

Lastly, “computer and electronic” items only include hardware, software, and cloud computing purchases from select providers listed on the rewards site.

Remember to check out the listed providers on the rewards site and your card’s specific benefit terms and conditions to be certain your purchases will qualify for bonus points.

3. Business Gold Rewards Card 3x Category

Don’t forget that for The Business Gold Rewards Card from American Express, you must specify 1 category in which to earn 3 points per dollar. If you don’t make a choice, then the card will only earn 2x points per dollar spent on U.S. gas, shipping, computers and electronics, advertising, and airfare purchased directly from the airline.

To select your 3x bonus category:

  1. Go to Open.com/businessgold
  2. Scroll down to see your card and the categories listed
  3. Select the bubble next to the category where you want to receive 3x points per $1 spent
  4. Read the Terms and Conditions
  5. Select “I agree, submit”
  6. Receive a Thank You page confirming your selection

Now, you can earn 3 points per dollar spent in your selected category and 2 points per dollar in the other bonus categories. If you’re a big spender, keep in mind that these extra points drop to a standard 1 point per dollar after you spend $100,000 in these categories each year.

4. Amex Offers

amex shopping
Amex shopping has been replaced by Amex Offers, which is a convenient way find and apply offers directly to your credit card.

Often, credit card companies will have an online shopping mall or portal where you can earn bonus points for every dollar spent with partnering retailers, such as American’s AAdvantage eShopping Mall and Chase’s Ultimate Rewards portal.

These online shopping portals offer special points deals to their members, like 2 points per dollar on purchases from Staples made through the portal.

Unfortunately, the online Amex shopping portal was discontinued a few years ago. According to American Express, it discontinued the service due to a lack of use by their members.

In its place, they introduced Amex Offers, which 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 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 enhance your rewards bank!

5. Business Platinum Big Spend Bonus

The Business Platinum Card® from American Express offers 1.5 points per dollar on all single purchases of $5,000 or more.

bigmoney
Some American Express Membership Rewards cards offer a big spend bonus, which means you can get a larger reward for spending above a certain threshold.

6. Frequent Transaction Bonuses

If you’re the type of cardholder who makes a lot of purchases with your card, then you might like the frequent transaction bonuses of the EveryDay® line of cards.

*For all benefits, Terms and Conditions apply

7. Refer-a-Friend Bonus

Earn bonus points when you refer a friend to a credit card you currently have. 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 providing your Amex login or card information.

The points vary depending on the card, but both you and your friend will benefit: a special bonus points offer for you and welcome offer for them.

Book Travel With an Amex Credit Card

Travel is a bonus category for several American Express credit cards that can supercharge your earnings on travel purchases.

8. Airfare Purchases

If you fly often, make sure you look at the Amex credit cards that have bonuses on travel purchases. You’ll earn extra points simply by purchasing your flights.

* American Express travel must be purchased directly through the airline. For all benefits, Terms and Conditions apply.

plane-1-1449686
American Express offers the ability to earn points through airfare and airline services on many of their Membership Rewards credit cards.

To earn the bonus points, make sure you book and purchase your travel directly through the airline’s website instead of using a travel site like Expedia or Kayak.

The Platinum Card® from American Express and The Business Platinum Card® from American Express also include flight bookings through the Amex Travel portal in their travel bonus category.

Keep in mind that extra points are only awarded for purchases on passenger airlines; charter flights and private jet flights are excluded.

Also, remember that for The Business Gold Rewards Card from American Express, you must specify “airfare” as your 3x the points earning category prior to purchasing the airfare.

If you do not choose the airfare category ahead of time, then The Business Gold Rewards Card from American Express will only earn 2x points per dollar spent on your airfare purchase.

To choose “airfare” as your 3x points category:

  1. Go to open.com/businessgold
  2. Scroll down to see your card and the categories listed.
  3. Select the bubble next to the picture of the plane marked “AIRFARE”
  4. Read through the Terms and Conditions
  5. Select “I agree, submit”
  6. Receive a Thank You page confirming your selection

3xpoints

Hot Tip: You’re also able to “double dip” by using The Business Gold Rewards Card from American Express or another Membership Rewards card through Amex Travel to earn an extra 1x points for airfare purchases.

Earn 3 points per dollar for your airfare purchase (directly with the airline) with The Business Gold Rewards Card from American Express and an additional 1x bonus point for purchasing the airfare on AmexTravel.com.

This is a great trick to maximize your earnings on airfare. Just be sure to compare prices since Amex Travel does not always have the best airfare prices available.

With the American Express® Green Card, you will earn 2x points for every $1 spent on airfare and travel packages (flights + hotel) if you book through Amex Travel.

You must enroll your American Express® Green Card with Membership Rewards online prior to your purchases to ensure the extra points are credited to your account.

9. Earn Points with Rocketmiles

American Express and Rocketmiles have kicked off their partnership where you can earn 500-10,000 Membership Rewards points per hotel stay.

Amex Membership Rewards Rocketmiles

Shop around to compare the Rocketmiles rate with other rates available.

Note that stays booked with RocketMiles typically do not earn hotel program points and you may not be eligible for hotel program benefits such as room upgrades. Some hotels honor status benefits even when they do not need to.

10. Other Travel Purchases

There’s only 1 Amex card offering extra points for travel purchases besides airfare, and it’s the American Express® Green Card.

Normally, this wouldn’t be a great card choice given that Amex doesn’t offer a welcome bonus for the American Express® Green Card.

However, it somewhat redeems itself by offering 1 point per dollar on all purchases and 2 points per dollar for airfare, hotels, vacation packages, or cruise reservation bookings made through Amex Travel.

Be wary, though, as extra points are not offered for car reservations, non-prepaid hotels, or bookings from Fine Hotels & Resorts and The Hotel Collection.

To make sure that you receive these extra points:

  1. Enroll your American Express® Green Card with the Membership Rewards program online ahead of time to become eligible for 2x points on travel purchases made using this card.
  2. Purchase your airfare, hotel, vacation package, or cruise travel on amextravel.com.
  3. Allow 10-12 weeks for the points to be credited to your account.

Extra Bonuses With an Amex Credit Card

Finally, sometimes it just takes patience to really maximize the points you can earn.

11. Wait for Bigger Bonuses

Amex often changes the introductory bonus offers on their credit cards throughout the year. Wait for the big bonuses, and you will maximize the points you can receive!

Note that bonuses are restricted to first-time users of their personal and business credit cards.

For example, The Platinum Card® from American Express has offered larger welcome bonuses in the past. Look out for deals like this and take advantage of them when they happen.

Final Thoughts

Membership Rewards are easy to earn with just a little bit of strategizing. Although there isn’t an online shopping portal, there are many other methods to maximize your points-earning.

Take advantage of the points-earning strategies that make sense for your spending habits. If you buy a lot of groceries, make sure you have a card that earns 3 points per dollar at supermarkets.

Whether through introductory bonuses, category-focused spending, or the other great methods, you will be on your way to earning a LOT of American Express points.

Soon enough, you’ll be redeeming points for some amazing award flights that will take you around the world!

FAQ

Which credit cards earn Membership Rewards points?

What are Amex Membership Rewards points worth?

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 8 cents per point!

That’s like getting a $100 ticket for the equivalent of about 1,250 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 bonuses.

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.

Advertisement

Ink Business Preferred℠ Credit Card

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

Leave a comment

Your email address will not be published.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers, see here.