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If cash is a little bit tight this yr, you will discover yours American Express Membership Rewards Factors steadiness exceeds your financial savings account steadiness. In the event you fall into this camp, you’ve got most likely questioned tips on how to flip in a few of your Membership Rewards factors. Holiday gifts This winter.

Normally I might suggest redeeming your factors for a visit. Journey is among the greatest presents you can provide anybody – particularly if you happen to can mix the present of your time and journey. Additionally, Redeeming your Membership Rewards Points Journey will sometimes present probably the most worth to your factors.

Nonetheless, not everybody can or desires to journey. Whereas redeeming your factors for journey often gives probably the most worth on a cents-per-point foundation, the very best redemptions are those who show you how to meet your objectives. At this level, your private objectives could look totally different than a flight or lodge.

Whether or not you wish to present journey, a toy or the most recent and biggest gadget, let’s take a more in-depth look. Best ways to redeem Amex Membership Rewards points For presents this vacation season.

Switch factors to journey companions to e-book award journey

Zach Griff/

one thing Transferable rewards program Allow you to share rewards with others. Nonetheless, Amex is among the extra restrictive packages with regards to sharing. Particularly, Amex solely lets you switch Membership Rewards Factors to or out of your Loyalty Accounts. Authorized user.

Luckily, most airline and lodge loyalty packages assist you to e-book awards for others when touring collectively. Some loyalty packages even assist you to do that Book travel for others When they’re touring with out you. So that you could possibly give the present of journey this vacation season by reserving award journey for others.

If you wish to e-book award journey this vacation season, you may switch your factors to the next Membership reward transfer partner:

  • Airline Loyalty Program: Aer Lingus AerClub, Aeromexico Membership Premier, Air Canada Aeroplan, Air France-KLM Flying Blue, All Nippon Airways Mileage Membership, Avianca LifeMiles, British Airways Government Membership, Cathay Pacific Asia Miles, Delta SkyMiles, Emirates Skywards, Etiwaiian Visitors, Airways Guides, Iberia Plus, JetBlue TrueBlue, Qantas Frequent Flyer, Singapore KrisFlyer and Virgin Atlantic Flying Membership.
  • Lodge Loyalty Program: Alternative Rights, Hilton Honors and Marriott Bonvoy.

TPG values peg the Value of Membership Rewards Points At about 2 cents every. So, you may usually wish to goal for at the very least 2 cents per level once you switch to journey companions. nevertheless, Make sure the award availability is there Earlier than transferring.

Whereas most transfers are instantaneous, factors can generally take as much as 48 hours to switch. See our submit on How long does an American Express Membership Rewards transfer take? To estimate switch time.

Associated: Which American Express Credit Card Is Best For You?

Pay with factors to e-book journey

American Airlines Boeing 777-200 JFK TLV Zach Griff
Zach Griff/

Pay with Amex Points Means that you can redeem Membership Rewards factors for 1 cent once you e-book airfare Amex travel. So, a $1,000 flight would price 100,000 Membership Rewards factors if you happen to use Platinum Card® from American Express or American Express® Gold Card.

Nonetheless, choose cardholders Amex business card Get reductions when utilizing Pay with Factors for Airfare as follows:

  • Business Platinum Card® from American Express: Get 35% of your factors again once you pay with factors for first and business-class flights on any airline or for flights in any class in your chosen airline, as much as 1 million factors again per calendar yr get the
  • American Express® Business Gold Card: Get 25% of your factors again once you pay with factors for first and business-class flights on any airline or for flights in any class in your chosen airline, as much as 250,000 factors again per calendar yr get the
  • Centurion Enterprise Card from American Specific: Get 50% of your factors again once you use Pay with Factors for flights.

Data for Centurion Enterprise Card has been independently collected by The Level Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Better of all, you may e-book flights for anybody utilizing cost with factors.

It’s also possible to e-book pay as you go accommodations, cruises, automobile leases and holidays utilizing Pay with Factors by means of Amex Journey. Nonetheless, you may solely earn 0.7 cents per level, so a $700 pay as you go lodge keep can be price 100,000 Membership Rewards factors.

You may get a barely higher redemption charge of 1 cent per level if you happen to pay with factors for pay as you go stays booked by means of it. Amex’s Fine Hotels + Resorts program. Nonetheless, solely choose Amex Cardmembers can entry this premium lodge program.

Associated: Your complete guide to maximizing holiday shopping

Redeem for present playing cards

Gift on laptop
Poick/Getty Photographs

It’s also possible to redeem Membership Rewards factors for quite a lot of present playing cards. Nonetheless, redemption charges fluctuate relying on the kind of present card:

  • 1 cent per Membership Rewards level for many present playing cards (eg, $1,000 in present playing cards for 100,000 factors).
  • 0.85 cents per level on choose present playing cards together with Apple, Greatest Western, Bonefish Grill, Macy’s and Panera Bread.
  • 0.7 cents per level on choose present playing cards together with Greatest Purchase, Delta, 4 Seasons, Hilton, Marriott, Starbucks and Uber.
  • 0.5 cents per level for American Specific present playing cards (a $500 present card is 100,000 factors).

You may get a bodily or digital present card for many redemptions. You may get present playing cards in varied denominations, however most begin at $25 or $50.

Associated: Which credit cards should you use to buy gift cards?

Pay with factors at checkout

Beautiful African American woman shopping online from her cozy home office during winter vacation, holding credit card while using laptop to buy something online.
Brothers 91/Getty Photographs

Paying with factors is not only for journey. You should use Pay with Factors at checkout once you store with quite a lot of retailers, together with Amazon, Greatest Purchase, Boxed, Dell, Grubhub, Newegg, PayPal, Ceremony Assist, Saks Fifth Avenue and Staples.

Nonetheless, paying with factors at these retailers is mostly not use of your factors if you happen to’re searching for the very best return. You may earn simply 0.7 cents per level on the retailers listed above once you redeem Membership Rewards factors. So, a $700 buy would price 100,000 Membership Rewards factors.

The redemption charge is even worse at 0.5 cents per level if you happen to use Membership Rewards factors for occasion tickets by means of Ticketmaster.

Associated: 5 Ways to Redeem 44 Million American Express Membership Rewards Points That Aren’t at Rite Aid

Donate factors to charity

You may too Donate your points to charity. Particularly, you may donate to over 1.5 million US charities by means of JustGiving With Amex Pay with Factors. You may earn 0.7 cents per level once you make a JustGiving redemption. So 100,000 Membership Rewards factors will present $700 to a charity of your selection.

Associated: The best credit cards to maximize your nonprofit donations

Cowl current card costs

A mother and son look at the computer while holding a credit card
PhotoAlto/Laurence Mouton/Getty Photographs

In the event you purchase presents in your card from retailers that do not take part in paying with factors, chances are you’ll wish to think about using Membership Rewards factors to cowl your purchases. Though you may redeem Membership Rewards factors to cowl current spending in your card, doing so will solely present a redemption charge of 0.6 cents per level. So, you may want 100,000 factors to cowl the $600 cost.

Associated: Maximize points and miles to beat inflation and save money

Store with factors

Lastly, you may as well use the Store with Membership Rewards. Nonetheless, once you buy merchandise from the Store with the Membership Rewards catalog, you’ll obtain solely 0.5 cents of worth per level.

You will have 100,000 Membership Rewards for a $500 buy by means of the catalog. So, even when a sale gives 30% off, you may be higher off redeeming for the opposite choices talked about above.

Associated: Why I Love Amex Business Platinum’s Pay with Points Perk


If money is tight or you might have a big assortment of factors, chances are you’ll wish to use yours American Express Membership Rewards Points For vacation presents.

Wish to give the present of journey? You may get the very best worth by transferring your factors to journey companions after which reserving luxurious lodge stays or premium-cabin flights for family members. It’s also possible to earn 1 cent per level in worth once you use Pay with Factors to e-book flights by means of Amex Journey.

Even if you happen to do not wish to give the present of journey, you may nonetheless get 1 cent per level in worth by redeeming factors for choose present playing cards.

It is a good suggestion to grasp the redemption worth earlier than redeeming your factors for vacation presents. It is a straightforward technique to evaluate all of the choices to your Amex Membership Rewards factors Amex Rewards Calculator.


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