Picture not described

American Express Membership Rewards points

American Express Membership Rewards is probably one of the most versatile rewards schemes on the market.

You can earn points as you spend on your credit card, which can be redeemed on a range of shopping, travel and entertainment experiences, or even donated to charity.

You can transfer Membership Rewards points to any of the American Express airline and hotel partner programs, including British Airways, Emirates, Virgin Atlantic, Hilton Honors and Radisson Rewards programs.

In addition to American Express Membership Rewards cards, the American Express network is also available with other rewards credit cards, such as British Airways, Nectar, Marriott Bonvoy or CostCo.

How do I earn American Express Membership Rewards?

You can earn one American Express Membership Rewards point on every full £1 spent. Certain cards will increase your earn-rate to two points per £1 spent on American Express Travel.

Some cards offer the chance to accrue large chunks of bonus points in the first few months after opening or on your account anniversary if you spend a specified amount on purchases.

You can earn points on most of your spending, with the exceptions being card fees, interest charges, balance transfers, cash advances, travellers cheques or foreign currency transactions.

Amex app screenshot showing Membership Rewards points redemption opportunities

What are American Express Membership Rewards points worth?

Amex don’t clarify exact point value, but they tend to work out at 1p = 2 points or £1 = 200 points. For example, if you want to redeem points at one of Amex’s partner retailers, then normally 10,000 points could be transferred for a £50 voucher.

How do I redeem American Express Membership Rewards?

American Express has an extensive online catalogue which allows you to redeem rewards either partially or outright, or exchange to other points systems. Simply enrol online to set up a Membership Rewards account.

You can use your points to pay or part-pay or upgrade your next holiday, shop direct from the Amex site or exchange rewards points for vouchers for retailers or subscriptions. Over 1,000 retailers accept American Express Membership Rewards points. Amex also feature special offers that change every month, which allow your points to go further on specific purchases.

If you need more points, you can buy more, but only in increments of 1,000 points with a minimum purchase of 1,000 points. There is a maximum limit of 10,000 a year.

What are the pros and cons of Membership Rewards?


  • Versatile and flexible.
  • Charitable donations option.
  • Can purchase points.
  • Wide variety of cards to choose from.
  • Travel benefits.
  • Generous introductory offers of 0% or bonus points.


  • Amex is less widely accepted than Mastercard or Visa.
  • Annual fee. Some Amex cards charge an annual fee, which could go up to £450.

Compare credit cards that earn American Express Membership Rewards

Table: sorted by representative APR, promoted deals first
1 - 3 of 3
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Representative APR Link Incentive Representative example
The American Express Rewards® Credit Card
10,000 points
1 point per £1 spent
29.7% APR (variable)
Check eligibility
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1000 points) to shop, other rewards have differing conversions
Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a., your representative rate is 29.7% APR (variable).
American Express® Preferred Rewards Gold Credit Card
20,000 points
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £160 per annum
73.8% APR (variable)
Check eligibility
2 points earned per £1 spent on travel related purchases and spending abroad. 3 points for every £1 spent when booking through American Express Travel.
Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 73.8% APR (variable).
The Platinum Card® by American Express
60,000 points
1 point per £1 spent
£575 per annum
464.4% APR (variable)
Check eligibility
Earn 60,000 Membership Rewards® points plus £200 Credit towards your next getaway with Amex Travel Online when you spend £6,000 in your first 6 months of Cardmembership. Offer ends 13 June 2023. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 29.7% (variable) p.a. with a fee of £575 per annum, your representative rate is 464.4% APR (variable).

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

American Express Membership Rewards partners for redeeming points

Amex’s rewards scheme is incredibly flexible and reaches a wide range of travel and retail partners. You can spend your points directly through American Express’ online catalogue and buy more points if you need them. Alternatively, you can easily convert your Membership Rewards points to spend with Amex’s partners.

Who are American Express Membership Rewards travel transfer partners?

  • British Airways Executive Club
  • Emirates Skywards
  • Alitalia MilleMiglia
  • Asia Miles
  • Iberia Plus
  • SAS EuroBonus
  • Qantas Frequent Flyer
  • Singapore KrisFlyer
  • Hilton Honors
  • Radisson Rewards
  • Virgin Atlantic Flying Club
  • Delta SkyMiles
  • Etihad Guest
  • Finnair Plus
  • Marriott Bonvoy
  • Flying Blue (KLM and Air France)
  • Virgin Atlantic Flying Club
  • Club Eurostar
  • Nectar
  • Starwood Preferred Guest (Marriott Rewards and The Ritz-Carlton Rewards)

Who are the American Express Membership Rewards charity partners?

You can choose to donate your rewards points to one of the following charities through JustGiving:

  • NHS Charities Together
  • The Intensive Care Society
  • Imperial Health Charity
  • Oxford Hospitals
  • Trussel Trust
  • FareShare
  • Cambridge City Foodbank
  • The Felix Project
  • British Red Cross
  • The Irish Red Cross
  • Age UK
  • North London Cares
  • South London Cares
  • Crisis
  • Shelter
  • Centrepoint
  • St Mungo’s
  • Refuge
  • Women’s Aid
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site