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American Express Membership Rewards loyalty program

logo program points privileges american express

American Express has several Membership Rewards cards.

You can redeem Membership Rewards points for different types of rewards: travel, products or gift cards.

You can transfer Membership Rewards points to airline programs such as Aeroplan, British Airways Executive Club, Delta Skymiles, or hotel programs such as Marriott Bonvoy or Hilton Honors.

Warning: you can’t transfer Membership Rewards points to airline partners from the American Express Cobalt™ Card and the American Express Business Edge™ Card. Only to hotel partners.

1.7¢

Current Value of American Express Membership Rewards Points

Point Value Calculator

Enter the number points you have.

It's an estimated value of $ 850

On this page, you’ll find all the important information about American Express Membership Rewards.

In each tabs, you will find out:

Earning points

With Card Welcome Offers

American Express Cobalt™ Card

American Express Cobalt™ Card is an excellent card in The American Express Membership Rewards.

His welcome bonus can be up to 30,000 membership rewards in the first 12 months (2,500 membership rewards are earned each month of the first year after $500 of purchases). In addition to the points you earn from your purchases.

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The American Express® Gold Rewards Card

The American Express® Gold Rewards Card is the best-known card in American Express’s membership rewards program.

His welcome bonus amounts to 25,000 membership rewards and is earned after $1,500 purchases in 3 months.

The Platinum Card® from American Express

The Platinum Card® from American Express is the frequent flyer card of the American Express membership rewards program.

This card has many advantages such as unlimited access for its holder and a guest at more than 1,200 airport lounges, an annual travel credit of $200 and a nice earning of membership rewards.

 The Platinum Card® from American Express

American Express Business Edge™ Card

American Express Business Edge™ Card is the most accessible card of the American Express Membership Rewards program for self-employed/professionals/small business owners.

Its welcome offer is 30,000 membership rewards and you get it after $5,000 in Card purchases in 3 months.

You can also get a monthly bonus of 1,000 points per month with a minimum of expenses, which can bring the first year’s welcome bonus to 42,000 points.

The American Express® Business Gold Rewards Card®

The American Express® Business Gold Rewards Card® is the other most accessible card in The American Express Membership Rewards program for the self-employed/professionals/small business owners.

Its welcome offer is 30,000 Membership Rewards points and you can get it after $5,000 in Card purchases in 3 months.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is the card for frequent flyer professionals in the American Express Membership Rewards Program.

The card has many advantages such as unlimited access for its holder and a guest at more than 1,200 airport lounges and a great earning of membership rewards in all shops.

Business Platinum Card® from American Express Centurion

With expenses and bonus categories

Aside from the welcome bonus, the best way to earn membership rewards is by using your card to pay for all your purchases.

It is thus possible to earn between 1 and 5 membership rewards per dollar depending on the categories of purchases.

You’ll have to be strategic in the earning of membership rewards!

Category Multiplier Card
Grocery stores

5X

Membership Rewards American Express

2X

Membership Rewards American Express
Restaurants – bars

5X

Membership Rewards American Express

3X

Membership Rewards American ExpressMembership Rewards American Express
Travel

2X

Membership Rewards American ExpressMembership Rewards American ExpressMembership Rewards American Express
Gas stations

3X

Membership Rewards American Express

2X

Membership Rewards American ExpressMembership Rewards American Express
Food deliveries
at home

5X

Membership Rewards American Express
3X Membership Rewards American Express
Local transportation 3X Membership Rewards American Express
2X Membership Rewards American Express
Convenience stores 5X Membership Rewards American Express
Office supplies 3X Membership Rewards American Express
Electronics 3X Membership Rewards American Express
Drugstores 2X Membership Rewards American Express
Plastiq.com 2X Membership Rewards American Express
All other purchases 1.25X Membership Rewards American Express

Discover all the shops close to you that accept American Express with this interactive map.

While the American Express Cobalt™ Card is the ultimate earning card in some 5X categories, don’t forget the other 2X earning categories offered by the American Express® Gold Rewards Card..

For the self-employed, professionals and small businesses, the American Express Business Edge™ Card is very interesting for purchases of office supplies (e.g. Staples) or electronics (Dell, Apple…).

However, if most of your purchases are made in other categories, Business Platinum Card® from American Express will be recommended due to its earning rate of 1.25 membership rewards per dollar.

To earn more membership rewards consider gift cards purchased in the 2x and 5x the points in shop categories! More information here.

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Les cartes-cadeaux pour gagner des points-privilèges

With friends' sponsorship

American Express is the only institution that allows you to sponsor friends so they can open a card.

Offers are not always attractive compared to those offered on milesopedia.

Indeed, some offers may require spending up to twice as much money in 3 months to get an equivalent welcome bonus. Nothing to make good friends with…. !

However, it is an option to keep in mind… especially in a couple.

For the sponsor, it is possible to obtain between 5,000 and 25,000 membership rewards per sponsored card.

To understand the sponsorship system, check out this article!

With AMEX's offers

American Express recently introduced “Amex’s offers” some of which earn membership rewards

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Example of AMEX offer

By regularly monitoring your online account/on your app, you may be able to take advantage of an AMEX offer to earn points!

With additional cardholders

American Express regularly offers a reward in membership rewards to provide an additional cardholder to your account.

Offers can range from 1,000 to 5,000 membership rewards.

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Lufthansa A350 - Classe affaires

Redeeming points

Transfer points to other programs

To hotel partners

All cards offering membership rewards allow you to transfer their points to 2 hotel partners:

Here are the transfer ratio and duration:

Program Membership Rewards points Points Duration
Hilton Honors 1 000 1 000 5 days
Marriott Bonvoy 1 000 1 200 5 days
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The St. Regis Bahia Beach Resort, Puerto Rico - Chambre

To airline partners

American Express Canada has six airline partners.

Here are all of them, with the transfer ratio and duration:

Program Membership Rewards points Miles earned Duration
Aeroplan 1 000 1 000 30 minutes
British Airways Executive Club 1 000 1 000 3 to 5 days
Delta Skymiles 1 000 750 30 minutes
Alitalia Millemiglia 1 000 750 5 days
Asia Miles 1 000 750 3 to 5 days
Etihad Guest 1 000 750 3 to 5 days

You can transfer your Membership Rewards Points to airline partners from all Cards except the American Express Cobalt™ Card and the American Express Business Edge™ Card (you can ONLY transfer their points to hotel partners).

To find out how to transfer your membership rewards to Hotel Points, check out our tutorial!

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First Class - A380 - Etihad Airways

Redeem for flights

American Express Fixed Points Travel Program

American Express’ fixed point travel program is a fare schedule for some economy class flights:

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Le programme de voyage à points fixes d'American Express - classe éco

And on some business class flights:

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Le programme de voyage à points fixes d'American Express - classe affaires

To book this type of flight, you will have to go to the American Express Travel portal.

Let’s take the example of a round trip flight between Montreal and New York.

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The fixed points travel program: Montreal - New York

In this example, the flights costs $462.87.

Here, with the Fixed Points Travel Program, you can redeem 15,000 Membership Rewards points and pay $162.87 in taxes.

Thus, 15,000 membership rewards save $300.

So 1,000 membership rewards = $20.

American Express Flexible Points Travel Program

With flexible points travel allows you to redeem your membership rewards to pay the airfare all or part of it, including taxes, fees and carrier surcharges, based on a ratio that entitles you to a $10 account credit for every 1,000 points.

Let’s take the same round trip between Montreal and New York with the Flexible Points option.

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Flexible Points Travel Program: Montreal - New York

In this example, the flight still costs $462.87.

Here, with the flexible point travel program, it is possible to redeem 46,287 membership rewards to cover the full ticket.

To compare with fixed points, 15,000 membership rewards save $150.

So 1,000 membership rewards = $10.

It will therefore be particularly recommended redeem the fixed points travel option when it is offered.

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Un court-vol vers New York avec les points-privilèges

Statement credit for travels

American Express membership rewards can be applied to the account for any travel purchase charged on the card.

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Membership rewards applied to travel purchases

Here, 1,000 membership rewards = $10.

This is the easiest way to redeem your membership rewards. Especially since it saves money with companies that don’t have a loyalty program like Air Transat or airbnb…!

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Sur Airbnb

For all current purchases

American Express membership rewards can be applied to the account for any current purchase charged on the card.

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Membership rewards applied to current purchases

Here, 1,000 membership rewards – $7.

We do not recommend this type of redeem.

However, with business cards like American Express Business Edge™ Card, American Express® Business Gold Rewards Card®, or Business Platinum Card® from American Express, you can redeem 1,000 Membership Rewards Points as a $10 statement credit for ALL your purchases.

Annual Fee Statement credit

A little-known option: redeem your Membership Rewards Points as a statement credit for your Card Annual Fee.

For example, when renewing the American Express® Gold Rewards Card, you could redeem 15,000 membership rewards to pay the $150 contribution.

Here, 1,000 membership rewards = $10.

Gift cards

You can redeem your Membership Rewards Points on American Express’ online store. The first option is gift cards. There are dozens of them.

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Gift cards with American Express membership rewards

For example, an Air Canada gift card:

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An Air Canada gift card with American Express membership rewards

You could redeem 13,000 Membership Rewards Points for a $100 gift card.

Here, 1,000 membership rewards = $7.70

If you’re interested in this option, keep an eye on American Express’ online store regularly. You could get a better value of your Membership Rewards Points during promotions.

Products

The second option on the American Express store is for products. Hundreds of them exist.

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A toaster with American Express membership rewards

This toaster costs $75 in stores.

Here, 1,000 membership rewards = $5

We strongly advise against this option because you do not get the best value for your Membership Rewards Points.

Redeem your points on Amazon.ca

Another little-known option: redeem its membership rewards on Amazon.ca.

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Redeem your membership rewards on amazon

Here, 1,000 membership rewards = $7.

For charitable donations

Finally, it is possible to donate your Membership Rewards Points.

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A donation with American Express membership rewards

Here, 1,000 membership rewards = $10.

Manage your points

Points value

As you may have seen above, there are many ways to redeem American Express Membership Rewards Points.

The value of 1 membership reward is estimated between 0.5 and 5.0 cents per point depending on the redeems (from the purchase of a toaster to the transfer to Aeroplan to travel in business class).

So we decided to rate the membership reward at 1.7 cents per dollar in order to be conservative.

This means that the welcome premium for the American Express® Gold Rewards Card is worth about $400.

Points expiracy

Membership rewards do not expire, as long as you keep a card active and in good standing.

It may be worth having a card like the American Express® Gold Rewards Card with the lowest contribution ($150) in order to maintain an active membership rewards account.

Combine Membership Rewards Points between your Cards

You can combine Membership Rewards Points from several cards in one Membership Rewards account.

The condition: all cards must be in your name.

It is therefore impossible for a couple or friends to transfer membership rewards from one account to another.

To request a combination of membership rewards on a single account, you will need to contact American Express (by phone, secure messaging or chat).

The combination of membership rewards in a single account allows you to cancel a card while retaining the membership rewards on an active card such as the American Express® Gold Rewards Card advised above.

Membership Rewards Points types

Pay attention to one thing: you can’t combine Membership Rewards Points earned with the American Express Cobalt™ Card or the American Express Business Edge™ Card with the Membership Rewards Points earned with the four other cards.

On the other hand, the opposite is possible but not recommended.

If you decide to combine Membership Rewards Points from other cards into a Membership Rewards Select account on your American Express Cobalt™ Card or your American Express Business Edge™ Card, you will lose the ability to transfer points to airline partners.

American Express Membership Rewards Cards

This post was not sponsored. The views and opinions expressed in this review are purely my own.