Tuesday, September 27, 2022

Can You Combine Amex Points

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Transfer Points To Travel Partners

The BEST Way to Use Amex MR Points for TRAVEL

AmEx has multiple transfer partners more than any other major U.S. card loyalty program and you can transfer your points directly to those partners’ loyalty programs. The transfer rate varies by partner, but in most cases, it’s 1-to-1, meaning that when you transfer 1,000 Membership Rewards points, you get 1,000 points in the partner program.

One thing to keep in mind: When transferring Membership Rewards points to U.S. airlines, you’ll owe a fee of 0.06 cents per point, up to a maximum of $99. For a 1,000-point transfer, that comes out to 60 cents.

Airlines:

For details on transfer ratios, see AmEx’s website.

The exact value you ultimately get per point depends on which program you transfer to and how you redeem the points within that program, but NerdWallet estimates the overall transfer value at 2 cents per point.

What Do We Mean By Combining Membership Rewards

Before getting into the weeds, lets talk about what we mean by combining Membership Rewards right now. Combining Membership Rewards is a little different from combining other types of points. Unfortunately, you cant combine Membership Rewards between two peoples accounts.

Instead, lets focus on the goal of combining Membership Rewards. The goal is to be able to transfer them to an airline or hotel account that doesnt belong to the primary cardmember.

Amex Transfer Partner Sweet Spots

If your favorite airline is not listed, like American Airlines or United Airlines, there are still ways to redeem with those carriers through their partners. And if you’re looking to fly in a premium first class cabin without paying thousands of dollars, this is the best way to save money while also enjoying a glass of champagne and comfortable seat 30,000 feet in the sky. Here are a few of the sweet spots to consider when using your American Express rewards:

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How Can I Access My Westjet Dollars Balance And Other Account Information

Once you’ve been approved for your WestJet RBC Mastercard or WestJet RBC World Elite Mastercard, WestJet will email you a WestJet Rewards ID and temporary password , along with instructions on how to sign in and change your password. Simply enter your WestJet Rewards ID and password here to access your account and view your WestJet dollars balance.

American Express Membership Rewards Points

Can you be Approved for 2 American Express Cards in One ...

Amex Membership Rewards are the flexible points earned by many personal and business cards from American Express. These cards typically earn a base of 1 point per $1 spent, with some Amex cards earning bonus points based on where you make your purchases. If you have multiple personal or business Amex cards, all of your Membership Rewards points are combined into one pool of points.

You can redeem points in numerous ways, including booking travel through American Express Travel, transferring to airline or hotel partners, gift cards, and statement credits. In general, redeeming points for gift cards, statement credits, and online shopping offer the lowest redemption values for Amex points. You can book flights, upgrades, and Fine Hotels & Resorts through Amex Travel at 1 cent per point. Generally, you can find the best value by transferring your points to a travel partner to book an award reservation.

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Invest With Charles Schwab

If you have an American Express Platinum Card® for Schwab, you can transfer your points to a qualifying brokerage account at a rate of 1.25 cents per point. This is an incredible deal, considering the normal cash-out rate to turn Membership Rewards points into a statement credit is .6 cents per point.

But unlike regular cash back, of course, card members will continue to earn on that cash while investing their Membership Rewards® points in the stock market.

New cardmembers can earn 60,000 Membership Rewards® points after spending $5,000 in purchases in their first three months, which equates to a $750 deposit into your eligible Schwab account.

In addition to the Amex welcome bonus, Charles Schwab account holders can receive additional cash boosts when their holdings reach the a certain thresholds at the time of account approval :

  • $100 card statement credit if your qualifying Schwab holdings are equal to or greater than $250,000
  • $200 card statement credit if your qualifying Schwab holdings are equal to or greater than $1,000,000

The Platinum card also comes with perks like airport lounge access, hotel elite status, up to $200 in Uber cash credit and $200 in airline incidental credits.

Make Use Of Flying Blues Weird Region Definitions

Flying Blue has some very odd region definitions that can make for some incredible awards! Specifically, consider the fact that Israel, Algeria, Morocco, Tunisia, and Libya, are all considered part of Europe.

Right away, this means 50,000 miles for round-trip itineraries in economy class from the U.S. and 100,000 miles for round-trips in business class. But wait, it gets even better! Since these locations are all considered part of Europe, Promo Awards will also be available to these locations.

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The Amex Card Trifecta

There are three cards the Amex trifecta that can net you lots of points, particularly if you often spend in each card’s bonus categories. Beyond that, you’ll find several other lucrative benefits, which vary for each card.

The Platinum Card® from American Express earns 5x points on flights booked directly with airlines, and on flights or hotel stays booked through Amex Travel. The annual spending cap for the combined categories is $500,000, which is quite a bit of spending that can earn you bonus points.

Because of the 5x multiplier, I use my Platinum Card to book flights. I prefer to book hotel stays directly with the hotel to ensure I’ll get tier credit toward elite status, which you don’t always get when you book through a third party like Amex Travel.

I’ve also saved a lot of money through Amex Offers. .

Read more: The best American Express cards in 2021

Other than the 5x categories, you’ll only earn 1 Membership Rewards point per dollar spent on all other purchases with this card, so I only use it for flights. Luckily, other Amex cards fill in the gaps. Let’s continue with the trifecta.

Read more: 3 reasons why the Amex Gold card is an easy choice for foodies, travelers, and even beginners

Why Earn Amex Membership Rewards Points

How To Use Amex Points – BEST WAY to use Amex Points, Membership Rewards Points

American Express Membership Rewards is a powerful program because it’s easy to earn points on everyday purchases, and there are lots of ways to use rewards including redemption options that don’t involve travel.

Read more: Amex points are some of the most valuable credit card rewards, and there are several options for both earning and redeeming them

On the earning side, Amex is generous many cards earn 3x, 4x, or even 5x points in popular bonus categories. On the redemption side, there are several partner airline loyalty programs and a handful of hotel programs .

With the airline options, you can access every major alliance and book award tickets to nearly anywhere. Even better, some participating programs have reward sweet spots that let you book award flights at excellent prices, like ANA Mileage Club, Air Canada Aeroplan, British Airways Executive Club, and Qantas Frequent Flyer. There’s also Delta SkyMiles, JetBlue True Blue, and Hawaiian Airlines HawaiianMiles for those who prefer domestic loyalty programs.

On the hotel side, you’ll have Choice Privileges, Hilton Honors, and .

Read more: You can transfer Amex points to 22 loyalty programs to book travel, from first class to Japan on ANA to hotel stays with Hilton

American Express Membership Rewards points are worth, on average, 1.8 cents apiece based on Insider’s points and miles valuations but the exact value you’ll get depends on how you redeem them.

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Us To Europe And North Africa

A flight from the U.S. to Europe or North Africa booked with Alitalia will only cost 50,000 miles round-trip in economy class or 80,000 miles round-trip in business class. Both classes of service present significant savings over a lot of other airline program offerings.

Remember that Alitalias partner award chart is much worse for redemptions than their own award chart. And unfortunately, Alitalia devalued their own award chart starting on . This means that round-trip economy will cost 60,000 miles, while business will cost 140,000 miles.

Booking a flight with Alitalia miles transferred from Amex Membership Rewards is a great way to get to Italy, but there are many other options in Europe for the same number of miles if delicious pasta isnt your thing.

Hot Tip: Alitalia is also a transfer partner of Marriott, so you can top up your Alitalia miles if you have a lot of extra Marriott Bonvoy points!

Program Overview And History

The American Express Membership Rewards program was launched in 1991 and initially called Membership Miles. According to American Express, its the worlds largest credit card rewards program.

You can earn Membership Rewards points with any of these 9 personal and business credit cards:

  • Flexible redemption options

  • High-value travel redemptions through point transfers

Keep in mind that to get approved for a credit card in the Membership Rewards program, you typically need to have good or excellent credit, which starts at a FICO score of 670.

Also, American Express allows only one welcome offer per card per lifetime. So if youve had one of its cards in the past, earned the welcome offer, and later dropped the card, you wont be eligible for the offer again if you apply a second time.

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Personal Amex Membership Rewards Cards

There are 6 personal Amex cards that earn Membership Rewards cards. These cards fall into two categories: travel rewards and everyday spending rewards.

Platinum Card from American Express

  • 60,000 bonus points after spending $5,000 during the first 3 months
  • 5x points on flights booked with airlines or AmexTravel.com and on hotels booked through AmexTravel.com
  • 1x points on all other spending

The Amex Platinum Card is a solid travel rewards cards that has a better rewards rate than most co-branded airline cards. You’ll earn 5x points when you book flights through airlines and enjoy a host of travel perks like a $200 airline fee credit for incidentals, free Global Entry, and $200 in annual Uber credits.

American Express Gold Card

  • 35,000 bonus points after spending $4,000 during the first 3 months
  • 4x points on dining
  • 4x points on supermarkets
  • 3x points on flights booked with airlines or AmexTravel.com
  • 1x points on all other spending

The American Express Gold card is one of the best values in the Membership Rewards program. It has the best rewards rate on supermarkets and dining plus 3x points when you book airfare through Amex Travel or airlines. You also get a $100 airline fee credit with your chosen airline.

American Express Green Card

  • 45,000 bonus points after spending $2,000 during the first 3 months
  • 3x points on travel and worldwide restaurants
  • 1x points on all other spending

Amex Everyday Preferred Card

Amex Everyday Credit Card

Which Rewards Programs Allow You To Combine Points And Miles For Free

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AwardWallet receives compensation from advertising partners for links on the blog. Terms Apply to the offers listed on this page. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here’s our complete list of Advertisers.

Offers for the Marriott Rewards® Premier Plus Credit Card, Hilton Honors American Express Surpass® Card, Hilton Honors American Express Aspire Card, JetBlue Plus Card, JetBlue Business Card, Hawaiian Airlines® World Elite Mastercard® and Marriott Bonvoy® Premier Plus Business Visa Signature are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.

The web is full of posts covering techniques to earn and burn points and miles. Advice on which credit card to add to your wallet, identifying airlines and hotels that will maximize the value of rewards points, and mapping out redemption options all over the world.

One aspect of rewards travel that’s a little harder to unearth reliable information for, is family pooling and transferring of program points or miles.

In this post, well be highlighting transfer policies for major programs, and offering simple how-to instructions on sharing points and miles with your family and friends.

Page Contents

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Chase Ultimate Rewards Business Cards

The terms for points transfers from a Chase Ink Business card are slightly different. You are allowed to transfer points to other owners of the business. Chase has been known to shut down accounts for offenses less serious than gaming the points transfer system, so I would tread carefully here and follow the rules to the letter.

What if youre in a questionable situation, such as transferring points to someone with a different last name or someone with a different billing address than yours? In this case, you should call Chase first and double-check that the transfer youre making is within the programs terms.

Related: How to maximize your Chase Ultimate Rewards points

Other Options For Earning Amex Points

Once you have a credit card that earns Membership Rewards points, you can take home bonus points through a couple of other sites. The first is by leveraging Rakuten, one of our favorite online shopping portals here at TPG. When you click through Rakuten to a participating merchants website, you can earn bonus Amex points for every dollar you spend.

If you dont currently have an account, you can sign-up here and enjoy a one-time bonus of $30 when you spend at least $30 within 90 days of becoming a member.

Read more: How to use Rakuten to earn bonus cash back or Amex points

If, on the other hand, youre getting ready to buy or sell your home and arent currently working with a real estate agent, you can earn Membership Rewards points through a company called RBN. When youre matched with a participating agent and complete the purchase or sale of a house, youll earn up to 1 Amex point for every $1 of the final price after closing.

Check out this guide to learn more or visit RBNs site to start the process of being matched with a participating agent.

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Fly United In Business Or First Within The Us

Singapore Airlines has a handful of other sweet spots in their award chart, and flights on United within the U.S. in business or first class is one of them.

You can redeem KrisFlyer miles to fly on United Airlines within the U.S. for only 23,000 miles in business class or 34,500 miles in first class.

As a comparison, United charges 50,000 miles to fly business class round-trip within the U.S. and 70,000 miles to fly first class within the U.S.

If youre planning to redeem your miles for domestic premium cabin travel, use Singapore Airlines miles instead of trading in Amex points for United miles to see your savings add up quickly!

British Airways Executive Club

How to Value Redeem AmEx Points (2 Cents Per Point)

With the British Airways Visa Signature® Card currently offering a great signup bonus, there is no doubt plenty of households now looking to share Avios. Fortunately, BA offers one of the better options for sharing miles, the BA Executive Club Household Account.

You can pool Avios with up to 6 other members of your household, and once established, you can also set up a Family and Friends List which allows you to use pooled Avios for people outside your family pool. Miles are deducted evenly for redemptions across all accounts linked to the Household Account.

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How To Transfer Flexible Points From Your Account

There are currently 5 major flexible point programs: American Express Membership Rewards, Capital One Miles, Chase Ultimate Rewards, Citi ThankYou Rewards, and Marriott Bonvoy. When you earn points in each of these programs, you can transfer those points to the loyalty programs partners.

For example, when you earn Amex Membership Rewards points, you can transfer those points directly to Singapore Airlines KrisFlyer to book a Singapore Airlines first class flight.

To highlight a more nuanced example, you can earn Chase Ultimate Rewards points, transfer those points directly to Virgin Atlantic Flying Club, and book an ANA first class flight because Virgin Atlantic and ANA are partners. Make sense?

In this article, we will focus on transferring points to airline and hotel partners. We will also cover the rules for each program, as each major flexible point program treats combining and transferring points from your account differently.

Each program will be broken up into 2 parts: combining points and transferring points.

Dont Transfer Points Speculatively

As always, I simply must advise that you dont transfer points speculatively. Only transfer points when youre ready to book travel.

Ive seen it time and time again when someone transfers points expecting to book a trip in the next few weeks. In that time, award space may not be available on the airline that you hoped it would be. Be sure to understand the basics of award bookings before doing any transfers, and be sure the award space is there.

Even more disheartening is if you transfer points and then the airline or hotel program devalues their award program. When a devaluation occurs, youll need more points to book the same flight or hotel. When this happens, the program you chose to transfer points to may not be the best choice anymore.

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