AmEx Points Value: What Are They Worth? – NerdWallet

flexible travel rewards like American Express Membership Rewards points are, effectively, a currency. So understanding the relative prize of these points is an authoritative consideration when gain or spending them. so how much are AmEx points worth ? Based on our analysis, the stream AmEx points prize is between 1 cent when used to book travel immediately and 2 cents when transferred to partners. This is a big gap, and you might wonder why anyone would use these points to koran travel directly if they ’ re indeed much more valuable when transferred. The short explanation is based on appliance — booking through the AmEx travel portal is a snap, whereas transferring and redeeming points can be importantly more labor intensive. » Learn more : How to earn and use AmEx Membership Rewards points

The value when booking travel through the AmEx portal

This is elementary : american Express Membership Points are deserving precisely 1 penny each when booking travel through the issuer ‘s portal site. This mathematics is made denotative when booking a flight or hotel while logged in . For example, a $ 210 fledge will cost 21,000 points. There ’ sulfur no way to “ maximize ” AmEx points when used in this way. You ’ re effectively using the points as pennies, and can book any airline or hotel room available with cash. The big benefit here is public toilet and simplicity. You don ’ t have to spend hours researching how to use your points or find the right transfer partner, or search for scarce award handiness. You just search and koran. The big drawback is cost-effectiveness. You ’ re accepting a lowball value for your points as a tradeoff for this convenience.

The value when transferring to partners

here ’ mho where things get more concern — and complicated. The AmEx Membership Rewards program has some excellent transfer partners, meaning you can transfer your points to a spouse and then book change of location there. With great maximization potential comes big responsibility. Understanding which AmEx transmit partners offer the best value, and which even offer flights or hotels that match your travel plans, is a major undertaking. hera are some winder programs to highlight, along with their estimated NerdWallet value .Table showing the points value and transfer ratio for AmEx transfer partners. Notice that some of the better-known programs, such as Marriott and British Airways, offer some of the lowest-value points and miles, while lesser-known programs, like Air Canada and ANA, offer some of the best. It decidedly pays to do your homework when considering AmEx transfer partnerships. Remember to factor your travel plans into consideration, and not equitable transfer your points to the program with the highest-value miles. Some programs offer excellent respect but circumscribed routes and prize handiness. Always search for handiness on your prefer travel dates and destinations before transferring points. » Learn more : The best first base class award flights you can actually reserve

AmEx points calculator

Use our AmEx points calculator below to determine the measure of your hoard of points, based on both the baseline and NerdWallet estimated values. Another resource to help you get the best value for AmEx points is our airline Point Transfers and Partner Award Bookings tool.

Cards that earn AmEx points

More than a twelve American Express cards earn Membership Rewards ; here are some of the most popular, including some with no annual fee :American Express Premier Rewards Gold Credit Card

NerdWallet rating  NerdWallet ‘s ratings are determined by our editorial team. The scoring rule takes into history the type of calling card being reviewed ( such as cash back, travel or symmetry transfer ) and the card ‘s rates, fees, rewards and early features .

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  • Earn 4 Membership Rewards points per dollar spend at restaurants .
  • earn 4 points per dollar spent at U.S. supermarkets ( on up to $ 25,000 in spend each class, then 1 sharpen back ) .
  • earn 3 points per dollar spent on flights booked immediately with airlines and American Express Travel .
  • Earn 1 degree per dollar spent on all other eligible purchases .

The current welcome offer is : earn 60,000 Membership Rewards® points after you spend $ 4,000 on eligible purchases with your new Card within the first 6 months. Terms Apply .American Express Platinum Credit Card

NerdWallet rating  NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into history the type of card being reviewed ( such as cash back, travel or libra transfer ) and the card ‘s rates, fees, rewards and other features .

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  • Earn 5 Membership Rewards points on flights booked directly with airlines or with American Express Travel .
  • earn 5 points on prepay hotels booked on American Express Travel .
  • Earn 1 point on all other eligible purchases .

New members are enticed with this welcome crack : earn 100,000 Membership Rewards® Points after you spend $ 6,000 on purchases on the Card in your first 6 months of Card Membership. Terms Apply .American Express Business Gold Rewards Card from American Express OPEN Credit Card

NerdWallet rating  NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into explanation the type of calling card being reviewed ( such as cash back, travel or balance transfer ) and the poster ‘s rates, fees, rewards and other features .

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Earn 4 Membership Rewards points per dollar spent in two categories ( from the following six ) where you spend the most each bill cycle ( up to the first $ 150,000 in combine purchases per year ; then 1 target back ) :

  • Airfare purchased immediately from airlines .
  • U.S. purchases at restaurants .
  • U.S. purchases at gas stations .
  • U.S. purchases for embark .
  • U.S. purchases for advertising in blue-ribbon media ( on-line, television receiver, radio receiver ) .
  • U.S. purchases made directly from blue-ribbon technology providers of computer hardware, software and obscure solutions .

early spend earns 1 point per dollar exhausted. Terms apply .The Business Platinum® Card from American Express OPEN Credit Card

NerdWallet rating  NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into account the type of card being reviewed ( such as cash back, locomotion or proportion transfer ) and the tease ‘s rates, fees, rewards and other features .

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  • Earn 5 Membership Rewards points per dollar spent on eligible flights and prepay hotels booked through American Express — and earn 1 steer for each dollar you spend on eligible purchases .
  • gain 1.5 points per dollar on eligible purchases at U.S. construction corporeal and hardware suppliers, electronic goods retailers, software and obscure arrangement providers and shipping providers — equally well as on purchases of $ 5,000 or more everywhere else, on up to $ 2 million of these purchases per calendar class .

Terms apply.

Other AmEx cards that earn Membership Rewards points include:

Terms apply.

How did we determine our AmEx points value?

For our NerdWallet estimate of 2 cents per Membership Rewards distributor point, we factored in several variables :

  1. The value of these points when used to book travel directly with the credit card ’ s travel portal site .
  2. The value of the airline and hotel points to which these points can be transferred, when applicable ( based on the separate analyses above ) .
  3. The number of top-tier travel transfer partners, as determined by our adept panel .

The overall value is determined as : A leaden average between ( 1 ) and ( 2 ), with the weight determined by ( 3 ). The program with the largest phone number of high-value partners receives a 100 % weight on ( 2 ), and a program with zero high-value partners receives a 50 % weight on ( 2 ). AmEx had the highest number of top-tier transfer partners, so it received a 100 % weight on its most valuable transfer partner ( ANA ). To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of The Platinum Card® from American Express, see this page. To view rates and fees of the American Express® Business Gold Card, see this page. To view rates and fees of The Business Platinum Card® from American Express, see this page.

How to maximize your rewards

You want a travel credit tease that prioritizes what ’ s authoritative to you. hera are our picks for the best travel credit cards of 2022, including those best for :

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