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Personal Financing Planner > Credit Card > The best way to spend your American Express Points
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The best way to spend your American Express Points

June 1, 2025 9 Min Read
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The best way to spend your American Express Points
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Table of Contents

Toggle
  • Key takeout
  • What is the best way to use Amex points?
    • 1. Transfer points to travel partners
    • 2. Book Amex for your next trip
    • 3. Pay with points when shopping online
    • 4. Convert points to statement credits
    • 5. Deposit points into your AMEX checking account
    • 6. I bought a popular brand through Rakuten
    • 7. Redeem points on gift cards
  • How to earn reward points for your American Express membership
  • Which American Express Cards are earning membership rewards?
  • Conclusion
  • Frequently Asked Questions about the Best Ways to Use Amex Points

Key takeout

  • The best value of American Express Membership Reward Points is often achieved when redeeming for a trip or transferring to a high-value transfer partner.

  • American Express Credit Cards offer multiple ways to earn reward points for membership, including daily purchases, bonus categories purchases, welcome bonuses, and referral bonuses.

  • Redemption of statement credit points or depositing them into an AMEX checking account will be less valuable than travel redemption or transfer to a travel partner.

Many American Express Rewards cards allow you to earn points within the flexible American Express membership rewards program. These points can be redeemed for gift cards, merchandise, statement credits, and AMEX experiences. Most often, if you use them, you get the best value for your amex points Travel repayment.

We’ve compiled a list of the best ways to use you American Express Membership Rewards Points will take you to book flights and hotels through Amex Travel, place points on vacation packages, or transfer points to qualifying airlines or hotel partners. We can also help you understand these options if you are happy with the statement credits and discounts of popular retailers like Amazon and Grubhub.

What is the best way to use Amex points?

1. Transfer points to travel partners

Among the top credit cards that allow you to transfer your points to your travel partner, American Express may be one of your best options. Amex allows you to move your points to 18 airlines and three hotels. This gives you plenty of opportunities to reach your destination. and good night!

AMEX reward points are worth approximately 2.0 cents per point when transferred to a high-value partner. Bank rate evaluationhowever, some transfer partners can get higher value for your reward.

When transferring points, you need to pay attention to the transfer rate. This may vary depending on the travel partner you choose. For example, you can transfer 1,000 membership reward points with 1,000 Marriott Bonvoy Points, but by transferring to Hilton Honors during the promotion period, you may be able to double the same 1,000 membership reward points.

Research the options to get the most value from your points, look at current points and miles ratings and make sure you choose a transfer partner to help you Maximize your rewards.

2. Book Amex for your next trip

Want to use membership reward points for your trip but don’t want to transfer to another loyalty program? You can book flights, prepaid hotels and more at any time. American Express Travel Portal.

Booking a trip with AMEX is one of the best ways to spend your time with American Express Point, especially if you are planning your trip using the issuer. Reward Points Calculator. If you have American Express Platinum CardFor example, 10,000 membership reward points are worth $100 for a flight, but only $70 for prepaid hotels and prepaid rental cars. Use a calculator to make the most of your points and help you focus on making the most of your vacation.

3. Pay with points when shopping online

Payment with points makes it easy to use points when checking out with participating brands such as Amazon, Best Buy, Grubhub, and Riteaid. Link your membership rewards account or check out with a qualified American Express credit card, depending on your retailer. From there, select Pay on Points, check the balance of your Amex points, and use some or all of them to cover the total transaction.

If you’re not planning any future trips, using Pay with points at checkout may be one of the better options. However, once again, you can use Amex’s online calculator to make sure your Amex points are of the best value. If you have American Express® Gold CardFor example, you can see that 10,000 points are worth $70 for Amazon, Best Buy and other popular retailers. It’s under $100 you get when booking a flight through Amextravel.com.

4. Convert points to statement credits

Like many publishers, using American Express will give you reward points for membership. Statement Credit. Use points to cut down your credit card balance and avoid interest on unpaid liabilities.

5. Deposit points into your AMEX checking account

you American Express Bankyou have the option to deposit AMEX Points directly into your Membership Rewards Check or AMEX Business Checking Account. Although AMEX doesn’t share how much value you get for each point, it’s worth suppose that you may not get from creating a current deposit as much as you would if you transferred points to your travel partner or transferred points to book a trip through AMEX.

6. I bought a popular brand through Rakuten

Many issuers offer card shopping portals that help you maximize points and score transactions with popular brands, but Amex is not one of them. Rather, you can make money Boost your points through Amex offers Or through the lacten.

The lacten is the top Cashback Shopping Portal It offers deals with over 3,000 retailers selling clothing, electronics, household items, food, travel and more. Sign up for Rakuten, link your eligible membership rewards accounts, and earn points for every use you use through the platform. Earn at least 500 points to cash out any of your membership rewards.

Rakuten transactions may be profitable, depending on your spending, including past offers, such as 30% cashback at Green Chef, Food Delivery Services and 6% cashback at Target Optical.

7. Redeem points on gift cards

Believe it or not, redemption of gift cards may be one better way to use membership reward points. Your points are usually worth about 1 cent each. This means that 10,000 membership reward points could be worth $100, equivalent to travel redemption.

The publisher offers gift cards covering travel, dining, experiences and more. You can also use them to purchase American Express gift cards. It acts as a credit card that can be given to others, or as a credit card that can save money on rainy days. Get the best value from Amex points by exploring options Amex’s gift card site.

How to earn reward points for your American Express membership

There are many ways to earn reward points for your American Express membership, whether you earn daily spending rewards, take advantage of valuable welcome offers, or refer your favorite Amex credit card to a friend.

Below is the best way to earn reward points for your American Express membership:

Which American Express Cards are earning membership rewards?

If you need one of the following: Best American Express Credit Cards It will earn membership rewards, you are lucky. Amex has 3 personal credit cards and 4 business credit cards for new applicants who earn membership reward points.

Conclusion

The American Express Membership Rewards Program is extremely valuable if you know how to use it. Whether you’re redeeming membership reward points for your trip or maximizing your retailer rewards, you’re ready to use every point you earn. If you don’t already have a credit card to earn a reward for your wallet, check out our list of Best reward card Discover high-value reward programs and more.

Frequently Asked Questions about the Best Ways to Use Amex Points

*Information about American Express® Green Cards is collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer.

See also  What is the value of Hilton's honor points?
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