Rewards Program Page

Membership Rewards Program

Rewards Program Information

Program Benefits

With the Membership Rewards program, points are flexible, unlimited, and won't expire

  • Earn one point for virtually every dollar charged on eligible, enrolled American Express Cards
  • Three membership tiers
    • Membership rewards express
    • Membership rewards
    • Membership rewards First
  • Transfer points to participating frequent flyer or frequent guest programs
  • Redeem points for travel, shopping, and entertainment rewards
  • Earn up to 10X points in the Earn Points section
  • Earn 3X points when shopping through the Bonus Points Mall website (
    • Points can be redeemed for incredible rewards from the finest names in travel, shopping, dining, and entertainment

Premium Features

  • Book Tavel online - Membership Rewards members can search for flights and hotel rooms, transfer points to corresponding Frequent Flyer or Frequent Guest programs, and book it entirely on the Membership Rewards website
  • Transfer Points for Award Travel - Membership Rewards members can transfer Membership Rewards points online to their favorite Frequent Flyer or Frequent Guest program accounts.
  • Variety of Travel Certificates - Membership Rewards members can choose form a wide variety of travel certifcates from car rentals, and spas to sport and adventure getaways

Redeeming Points

  • Over 200 brands to choose from - Membership Rewards members redeem points for a wide selection of dining, shopping, and entertainment rewards and experiences.
  • Fly Any Airline Anytime - Membership Rewards members fly when they want where they want and on any airline they want by using Pay with Points. There are no restrictions, or blackout dates. Members can even pay for a part of the ticket with points and the rest with their card. Hotels, cruises, and vacations are also available.
  • Limited-Time Special Offers - Membership Rewards members can go to the Exclusives website for limited time offers on concert tickets, name-brand electronics, travel experiences, and more.
  • Vacations and Getaways - From weekend getaways to trips around the world, Membership Rewards members can use their points for one-of-a-kind travel experiences with American Express's partners.

Eligible American Express Membership Rewards Credit Cards



  • Business Platinum Card
  • Business Gold Rewards Card
  • Business Green Rewards Card
  • Business Membership Rewards Card
  • Blue for Business Credit Card



How to Earn

Earning points happens automatically

  • Cardmembers earn one point for virtually every dollar spent on The Card
    • Throughout the year there will be special opportunities to earn additional bonus points
  • Enrolled Cards will accrue one point in their program account for every eligible dollar charged and billed on Linked Accounts, provided such charges are paid on time

Earn Extra Points

Membership Rewards members earn up to 10X points everyday when they shop over 300 brand online at the Earn Points Section.

No Expiration Date or Point Cap

Points have no expiration date and there's no limit to the number of points cardmembers can earn.

Earning Points Fast

There are other ways to earn points faster

Link More Cards

Accumulate points even faster by linking all your eligible American Express® Cards to your Membership Rewards® account

Additional Cards

Members can get Additional Cards for their family members, friends or anyone else and earn points for virtually every dollar they spend on their Card, while still earning points on their own Card.

Automatic Bill Payment

Earn even more points when using theCard to pay phone, cable, utility, and other recurring bills. Save time and forget about checks, paperwork, and late fees – discover the ease and convenience of Automatic Bill Pay.

Purchase Points

Members may purchase points in 1,000-point increments for $25 per 1,000 points, which will be billed on their Card account.*

*About Purchasing Points

- May only purchase a maximum of 500,000 points per calendar year.

- May only purchase points for your own Membership Rewards program account.

- Corporate Cardmembers and other Business Cardmembers, who have only the Corporate Card enrolled in the Membership Rewards program may not purchase points.

- Points purchased are subject to all the Terms and Conditions applicable to points, including those concerning forfeiture.

Points Advance

Points Advance allows members to redeem for rewards more quickly by advancing Membership Rewards points at no extra charge, as long as the member accrues enough points in their program account to satisfy the Points Advance within 12 months. If member does not accrue enough points by then, their Card account will be charged for the remaining balance at $0.025 per point, which is the current Purchase Points cost in effect.

How to Redeem

Members can top off frequent traveler accounts by transferring Membership Rewards points to a linked frequent flyer/frequent guest account

Requests for conversions of points or redemptions of reward(s) must be initiated by visiting or by calling 1-800-545-5048.

Once accrued points have been converted into a participating Frequent Customer program or redeemed for a reward, the points cannot be converted back into member's program account.

Membership Rewards members can pay for all or part of their next trip using Membership Rewards points. Members can fly any airline anytime with no blackout dates or seat restrictions. Members can also book hotels, cruises, and vacation packages simply by going to  (

Get the points needed for a reward flight, stay, or upgrade. Use Membership Rewards points for exciting travel reward certificates, including hotel stays, flights, theme parks, adventure travel, or car rentals. Members can search for reward travel, transfer Membership Rewards points to their favorite frequent customer programs, and book their flight or room entirely with points, all on the Membership Rewards website.

Shop with Points at

Membership Rewards members can use their Membership Rewards points on to pay in full, or pay in part and let their American Express Card cover the rest.


Members can use their points or a combination of points and their eligible American Express Card to choose from more than a million products from online stores without ever leaving the site. Members receive access to dining, movie, music, and theater rewards available specifically for Card members.

The Program may refuse a conversion or redemption request if any Linked Account is not in good standing.

Minimum points to redeem (convert):

Dining Gift Cards = 2,500 Points

Airline Travel  = 1,000 Points

Hotels = 1,000 Points

Car Rental Certificates = 5,000 Points

Rail Certificates = 5,000 Points

Electronics = 3,200 points

Gift Cards = 200 Points

Home = 2,300 Points

Fashion & Accessories = 1,000 points

Movies Rewards = 3,000 Points

Family & Entertainment = 200 Points

Concerts = 2,000 Points


Points accrued in member's program account may be converted into any one or more participating Frequent Customer programs as provided in the following.

1,000 points accrued in member's program account will equal 1,000 miles, points or credits in participating Frequent Customer programs, except with the following:

  • AirTran®—1,500 points = one (1) AirTran A+ Rewards Credit
  • Southwest Airlines®—1,500 points = one (1) Rapid Rewards credit
  • JetBlue Airways—250 points = one (1) TrueBlue point
  • EL AL Israel Airlines—1,050 points = 15 Matmid Points
  • Iberia Airlines – 1,400 points = 100 Iberia Plus Points
  • Starwood Preferred Guest®—1,000 points = 333 Starpoints®
  • Hilton®—1,000 points = 1,300 HHonors® Points
  • Jumeriah Hotels & Resorts – 2,300 points = 100 Sirius Points

Min Points Needed to Redeem


Points Needed for Flight

Varies Based on which Airline Rewards Program Member's Membership Rewards Points are converted to

No Blackout Dates?


Blackout Dates Info

Members must comply with the terms and conditions of the Frequent Customer programs of participating airlines and hotels in which they are enrolled. Some restrictions including blackout dates and capacity controls, apply to participating Frequent Customer programs.

Points Never Expire?


Expiration of Points Info

Membership Rewards points won't expire as long as cardmember's account is in Good Standing.


If the amount due on any Linked charge Card account or the minimum amount due on any Linked credit Card account is not paid in full within one month of the closing date on the billing statement for that Linked account, points accrued in the program for that Linked account for that billing period may be forfeited.

If for any reason the Program cancels any Linked Account (including because of member death, bankruptcy or insolvency), any points accrued in their program account will be forfeited. If Bank reinstates the Linked Account(s) within one year of cancellation, any points accrued in member's program account may be converted into a participating Frequent Customer program or redeemed for a reward.

Unlimited Rewards Earning?


Max Earning Cap Info

There is no limit to the amount of Membership Rewards points that a member can earn

Age Requirement to Join


Requirements to Join

The Membership Rewards program is a built-in feature of many American Express Cards

If Card is not enrolled, cardmembers can log in to their account, select the "Points Summary" link, and then use the enroll button.

Basic Consumer American Express® Cardmembers and OPEN® Cardmembers who meet the following criteria:


Sponsoring Companies

Sponsoring Rewards Cards

Current Promotions

Currently No Promotions

*Disclaimer: See the online application(s) for details about terms and conditions of all offers. To confirm terms and conditions, click on the "Sign Up" button and review info on the terms page. We expend substantial effort to maintain accurate information. However, all information on the site is presented without warranty.