Best Ways To Spend American Express Points

Key takeaways

  • Most often, your finest worth for American Categorical Membership Rewards factors is redeeming them for journey.
  • Amex provides a calculator that may make it easier to resolve how finest to redeem your factors.
  • Get probably the most worth out of your factors by studying find out how to earn factors in addition to redeem them.

Many American Categorical rewards playing cards mean you can earn factors inside the versatile American Categorical Membership Rewards program. You possibly can redeem these factors for present playing cards, merchandise, assertion credit and Amex experiences. Most often, you’ll get probably the most worth in your Amex factors for those who use them for journey redemptions.

We’ve put collectively a listing of the most effective methods to make use of your American Categorical Membership Rewards factors, whether or not you ebook flights and lodges via Amex Journey, put your factors towards a trip package deal or switch your factors to qualifying airline and lodge companions. And for those who’re proud of assertion credit or reductions at widespread retailers like Amazon and Grubhub, we might help you perceive these choices as properly.

1. Switch factors to journey companions

Amongst prime bank cards that mean you can switch factors to journey companions, American Categorical could also be certainly one of your finest decisions. Amex lets you switch factors to 18 airways and three lodges—which provides you loads of alternative to achieve your vacation spot and get a great night time’s sleep!

When transferring factors, you’ll need to take note of the switch ratio, which might differ relying on the journey accomplice you select. For instance, you possibly can switch 1,000 Membership Rewards factors for 1,000 Marriott Bonvoy factors, those self same 1,000 Membership Rewards factors would possibly get you double the factors by transferring to Hilton Honors. Examine your choices to get probably the most worth out of your factors, and try our present factors and miles valuations to make sure you’re selecting a switch accomplice that helps you maximize your rewards.

2. E book your subsequent journey via Amex

Moderately than switch your Membership Rewards factors to a different loyalty program, Amex lets you ebook flights, pay as you go lodges and extra immediately via its ou need to use your Membership Rewards factors for journey however don’t need to switch them to a different loyalty program, you possibly can at all times ebook flights, pay as you go lodges and extra via the American Categorical Journey Portal.

Reserving journey with Amex is without doubt one of the finest methods to spend your American Categorical factors, particularly for those who plan your journey utilizing the issuer’s rewards factors calculator. If in case you have the Platinum Card® from American Categorical, for instance, 10,000 Membership Rewards factors are value $100 towards flights, however solely $70 in the direction of pay as you go lodges and pay as you go automotive leases. Use the calculator to get probably the most out of your factors, so you possibly can concentrate on getting probably the most out of your trip!

3. Pay With Factors once you store on-line

Pay With Factors makes it simple to make use of your factors at checkout with taking part manufacturers that embody Amazon, Greatest Purchase, Grubhub and RiteAid. Simply hyperlink your Membership Rewards account or — relying on the retailer — take a look at with an eligible American Categorical bank card. From there, you choose Pay With Factors, overview your Amex factors steadiness and use some or all of them to cowl your transaction whole.

In case you aren’t planning any upcoming journeys, utilizing Pay With Factors at checkout could also be certainly one of your higher choices. Although, right here too, you should utilize Amex’s on-line calculator to verify you’re getting the most effective use out of your Amex factors. If in case you have the American Categorical® Gold Card, for instance, you’d see that 10,000 factors are value $70 at Amazon, Greatest Purchase and different widespread retailers — lower than the $100 worth you’d get for those who booked a flight with

4. Flip factors into assertion credit

Like many issuers, American Categorical lets you flip your Membership Rewards factors into assertion credit. Use your factors to chip away at your bank card steadiness and keep away from curiosity in your excellent debt.

However remember that regardless of which Amex card you utilize, redeeming your Amex factors for assertion credit provides much less worth than for those who’d redeemed your factors for journey via Amex, a journey accomplice or Pay With Factors at checkout. As an illustration, relying in your card, 10,000 factors would possibly whole a low $60 in assertion credit.

5. Deposit your factors in an Amex checking account

In case you financial institution with American Categorical, you will have the choice of depositing your Amex factors immediately right into a Membership Rewards Checking or Amex Enterprise Checking account. Whereas Amex doesn’t share how a lot worth you’ll get per level, it’s value assuming that you simply may not get as a lot from making checking account deposits than you’d for those who transferred your factors to journey companions or used them to ebook journey via Amex.

6. Store widespread manufacturers via Rakuten

Many issuers supply a card procuring portal that lets you maximize your factors with widespread manufacturers and rating offers, however Amex isn’t certainly one of them. Moderately, you possibly can earn boosted factors via Amex Provides or money again via Rakuten.

Rakuten is among the many prime money again procuring portals providing offers at greater than 3,000 retailers promoting clothes, electronics, dwelling items, meals, journey and extra. Join with Rakuten, hyperlink an eligible Membership Rewards account and earn factors for each greenback spent via the platform. Earn a minimal 500 factors to money out what you’ve earned as Membership Rewards.

Rakuten offers could be profitable, relying in your spending, with previous provides together with 30 p.c money again at meals supply service Inexperienced Chef and 6 p.c money again at Goal Optical.

7. Redeem factors for present playing cards

Consider it or not, redemption towards present playing cards could also be one of many higher methods to make use of your Membership Rewards factors. Your factors are usually value about 1 cent every, which suggests 10,000 Membership Rewards factors might be value as a lot as $100 — on par with journey redemption.

The issuer provides present playing cards that cowl journey, eating, experiences and extra. It’s also possible to use them to buy American Categorical present playing cards, typically at a reduction, which act as a bank card you possibly can present to others or save for a wet day. Get the most effective worth out of your factors by exploring your choices on Amex’s present card web site.

What American Categorical playing cards earn you Membership Rewards?

If you need an American Categorical bank card that earns Membership Rewards, you’re in luck. Amex provides six private bank cards and 4 enterprise bank cards that earn Membership Rewards factors, together with widespread bank cards just like the Platinum Card from American Categorical and the Amex Gold Card.

In case you’re contemplating the Blue from American Categorical card as a starter bank card, remember that it provides fewer level redemption choices — and fewer worth per level — than different Amex playing cards on the listing. The Blue card is a wonderful credit-building device, particularly for people who find themselves new to credit score, however it is probably not the easiest way to get probably the most out of your Membership Rewards factors.

How you can earn American Categorical Membership Rewards factors

There are a lot of alternative ways to earn American Categorical Membership Rewards factors, whether or not you’re incomes rewards on on a regular basis spending, making the most of a beneficial welcome supply or referring your favourite Amex bank card to a pal.

Listed below are the most effective methods to earn American Categorical Membership Rewards factors:

  • Use your Amex bank card for on a regular basis purchases: Each time you utilize your American Categorical card to make a purchase order — in retailer, on-line or on the pump — you will have the chance to earn Membership Rewards factors. The Amex EveryDay Card — which provides 2X factors at U.S. supermarkets (as much as $6,000 per yr), 2X factors on pay as you go rental automobiles booked via and 1X factors on all different purchases — is a beneficial choice for individuals who need to earn Membership Rewards factors with out paying an annual price.
  • Use your Amex card for bonus class purchases. Some American Categorical playing cards supply increased rewards once you store in particular classes. The Amex Gold Card, for instance, provides 4X factors at eating places worldwide, 4X factors on Uber Eats purchases, 4X factors on U.S. grocery store purchases (as much as $25,000 in purchases per yr), 3X factors on flights booked immediately with airways or and 1X factors on all different purchases. To maximise your bank card rewards, select an Amex card that gives excessive rewards in classes you store typically.
  • Earn your welcome bonus. New cardholders might have the chance to earn a beneficial welcome bonus with their Amex bank card. Choose an Amex bank card that gives a welcome bonus with a minimal spending requirement you possibly can afford, after which do your finest to earn these further factors!
  • Benefit from Amex Provides. Amex often provides reductions, assertion credit or bonus factors for those who store at particular retailers. These Amex Provides present up in your on-line bank card account or cell app, so ensure you test recurrently — and use our information to Amex Provides to maximise your factors.
  • Refer an Amex card to household or pals. Many individuals don’t understand that they’ll earn bonus rewards by referring their favourite bank cards to household or pals. Use our bank card referral information to get began.

The underside line

The American Categorical Membership Rewards program could be extraordinarily beneficial — if you understand how to make use of it. Whether or not you’re redeeming your Membership Rewards factors for journey or maximize your rewards at retailers, you’ll be higher ready to make the most of each level you earn. In case you don’t have already got an Amex bank card in your pockets, see our listing of the most effective American Categorical playing cards for high-value rewards applications and extra.

*Issuer-required disclosure assertion

Details about the American Categorical® Inexperienced Card, Amex EveryDay® Most popular Credit score Card, Amex EveryDay® Credit score Card and Enterprise Inexperienced Rewards Card has been collected independently by Bankrate. Card particulars haven’t been reviewed or accepted by the cardboard issuer.

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