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Sell American Express Membership Rewards Points

Convert Amex Membership Rewards points from cards like Platinum and Gold.

We pay 1.48¢ to 1.65¢ per point, depending on balance. See all our rates

Supported Cards:

American Express Platinum

American Express Gold

American Express Green

About American Express Membership Rewards

American Express Membership Rewards has the largest list of airline transfer partners of any US program, including Delta, Aeroplan, KrisFlyer and Flying Blue. Its direct cash-out options are weak, which is why many cardholders with big balances look to sell instead.

See what American Express Membership Rewards points are worth, check the transfer partner matrix, or read our guide to selling credit card points for how selling compares to cashing out or transferring.

The American Express Membership Rewards program explained

American Express Membership Rewards is the oldest of the transferable currencies and has one of the longest partner lists: Amex says its points transfer to 19 airline and hotel programs, among them Delta, Aeroplan, ANA, Singapore KrisFlyer, Emirates and British Airways. Points come from the Platinum, Gold and Green consumer cards and from Blue Business Plus, Business Gold and Business Platinum, and every one of those cards can transfer on its own; there is no "cash-back card that needs combining" tier as at Chase.

The weakness is everything that is not a transfer. Amex's own figures put a statement credit at 0.6 cents a point and a prepaid hotel at 0.7 cents, with only flights through Amex Travel reaching a cent. The September 2025 Platinum refresh pushed the annual fee to $895 and loaded the card with credits, which raises the stakes on using the points well. See the transfer partner matrix for where the points go and the valuation page for what they are worth once there.

Written and reviewed by the Points Plug team. Last reviewed .

Cards that earn American Express Membership Rewards points

CardAnnual feeEarningTransfers to airlines
The Platinum Card$8955x flights booked direct or through Amex Travel (up to $500,000 a year), 5x prepaid hotels through Amex Travel, 1x elsewhereYes
American Express Gold Card$3254x restaurants (up to $50,000 a year), 4x US supermarkets (up to $25,000), 3x flights, 2x prepaid cars and cruises, 1x elsewhereYes
American Express Green Card$1503x restaurants, transit and travel, 1x elsewhereYes
Blue Business Plus$02x on the first $50,000 a year, 1x afterYes
Business Platinum Card$8955x flights and prepaid hotels through Amex Travel, 1.5x in key business categories and on purchases of $5,000 or more, 1x elsewhereYes
Business Gold Card$3754x on your top two categories each billing cycle (up to $150,000 a year), 3x flights and prepaid hotels through Amex Travel, 1x elsewhereYes
Platinum Card for Charles Schwab$895Same as the Platinum Card, plus cash deposits to a Schwab account at 1.1 cents a pointYes

What each redemption returns

RedemptionValue per pointNotes
Statement credit (cover card charges)0.6¢Amex's published figure. The worst floor of the four big programs.
Flights through Amex Travel1.0¢Pay with Points needs at least 5,000 points. Business Platinum members get 35 percent of the points back on their selected airline and on premium-cabin fares, up to a million points a year, which lifts the effective value to about 1.54¢.
Prepaid hotels through Amex Travel0.7¢Points used this way also do not earn the 5x hotel bonus.
Gift cardsup to 1.0¢Varies by brand.
Pay with Points at checkout (Amazon, PayPal and others)0.7¢ to 1.0¢Amex publishes the range but not the rate at each merchant.
Schwab or Morgan Stanley Platinum cash deposit1.1¢ / 1.0¢Deposits into an eligible Schwab or Morgan Stanley account. Morgan Stanley's page shows 50,000 points as $500.
Transfer to airline and hotel partnersvariesWhere the 1.3 to 2.2¢ published valuations come from. Delta transfers carry a small excise fee; see the rules below.

Compare these with the published valuations for American Express Membership Rewards points and with a cash quote.

How transfers to airlines work

  • Amex says Membership Rewards points transfer to 19 airline and hotel programs, but it names them and their ratios only on its rewards transfer page. The airlines' own US pages confirm transfers to Aeroplan (1:1, 1,000-point minimum), ANA (1:1 for US-issued cards) and Delta (up to 1 mile per point), and list Membership Rewards as a partner of British Airways, Emirates and Singapore KrisFlyer. Check the ratio for any other partner on Amex's transfer page before moving points.
  • HawaiianMiles no longer exists: Alaska and Hawaiian replaced it and Mileage Plan with Atmos Rewards in 2025, so partner lists that still show it are out of date.
  • Transfers to US airline programs (Delta among them) carry an excise tax offset fee of $0.0006 per point, capped at $99, which is $60 on 100,000 points.
  • Aeroplan and Delta both state a 1,000-point minimum; Amex's public pages do not give minimums for other partners. The loyalty account must be in your name or the name of an additional cardmember whose card was issued at least 90 days before you link the account.
  • Amex's terms say transfers typically take 48 hours. Transfers cannot be reversed.
  • Points from all your Membership Rewards cards pool in one account automatically, but Amex does not allow sharing or combining accounts between family members or friends.

Best ways to use American Express Membership Rewards points

  • ANA Mileage Club for round-trip business class to Japan, one of the cheapest premium-cabin awards from the US, with the caveat that transfers take days and ANA requires round trips.
  • Air France KLM Flying Blue and Air Canada Aeroplan for Europe and Asia in business class, both with regular 20 to 30 percent transfer bonuses; see the Flying Blue and Aeroplan chart references.
  • Virgin Atlantic Flying Club for ANA first class and Delta One awards priced from Virgin's partner charts, often far below Delta's own dynamic prices.
  • Avios (British Airways, Iberia, Aer Lingus, Qatar) for short-haul partner flights and Qatar Qsuite, with free movement between the three Avios programs.
  • Business Platinum members: the 35 percent airline rebate turns a plain paid fare into about 1.5 cents a point with no award-availability hunt.

What to watch out for

  • The 0.6 cent statement credit means a member who never transfers is getting less than half the published value of the points, and it is the reason a cash quote can look attractive.
  • Delta SkyMiles transfers add the excise fee and land in a program that prices dynamically, so the Delta partner is rarely the best use even though it is the most familiar one.
  • Not every partner transfers at 1:1, and Amex shows each ratio only on its transfer page, so compare award prices at the ratio shown there before moving points.
  • Points are forfeited for a billing period if the minimum payment is late, and reinstating them costs $35 per period. Closing your only Membership Rewards card forfeits the balance immediately (New York members get 90 days), so transfer or use points before cancelling.
  • The $895 Platinum fee is offset by credits that require enrolment and specific merchants; a member who does not use them is paying for lounge access and points earning alone.

What the terms say about your points

  • Amex's program terms state that points "don't belong to you and are not your property", that you cannot transfer them to someone else's account and that you cannot sell them.
  • Points have no expiry date. They are forfeited for a period in which the minimum payment is missed, and lost when the last eligible card is closed unless another eligible Amex card or checking account remains.
  • Partner transfers must go to an account in the cardholder's name or an additional cardmember's name, and they are final once submitted.
  • Corporate cards sit in a separate Corporate Membership Rewards program with its own terms.

Should you sell American Express Membership Rewards points?

Keep the points if you fly internationally in premium cabins and can plan a few months ahead: ANA, Flying Blue, Aeroplan and Virgin Atlantic awards are where Membership Rewards earn their published 1.3 to 2.2 cents. Business Platinum members with a home airline also have the 35 percent rebate as a dependable fallback.

Consider selling if your realistic alternative is a statement credit at 0.6 cents or an Amex Travel hotel at 0.7 cents, or if the Platinum fee no longer makes sense and the balance would be forfeited on closure. A cash offer above the statement-credit floor is a better outcome than the credit; get a quote and compare it to what you would actually do with the points.

Sources

Transferred American Express Membership Rewards points to an airline by mistake?

Amex will not reverse a transfer, but the miles can still be used, shared or sold. Each page below quotes Amex's rule, shows what the miles are worth now and how to sell them:

American Express Membership Rewards FAQ

How do I sell American Express Membership Rewards points?
Enter your American Express Membership Rewards balance in the quote form on this page for an instant cash offer. Accept the offer and our team contacts you to complete the transaction.
Which cards earn American Express Membership Rewards points?
Points from cards such as American Express Platinum, American Express Gold, American Express Green can be sold through Points Plug.
What is the minimum number of American Express Membership Rewards points I can sell?
We buy American Express Membership Rewards points from 100,000 points. We pay 1.48¢ to 1.65¢ per point, rising with balance size, and publish every rate on our rates page.
How long does it take to get paid for American Express Membership Rewards points?
Most transactions complete within 24-48 hours of accepting an offer, with payment sent through your preferred method.
How much is an Amex Membership Rewards point worth?
Between 0.6 cents as a statement credit and 1 cent on flights through Amex Travel using Amex's own figures, 1.1 cents as a Schwab Platinum cash deposit, and 1.3 to 2.2 cents according to published valuations that assume transfers to airline partners for premium-cabin awards.
Which Amex cards can transfer points to airlines?
Every card that earns Membership Rewards can transfer: the Platinum, Gold and Green consumer cards, the Schwab and Morgan Stanley Platinum cards, and Blue Business Plus, Business Gold and Business Platinum. Cards that earn cash back (Blue Cash) are not in the program.
Is there a fee to transfer Amex points to airlines?
Only for US airline programs, where Amex charges an excise tax offset fee of $0.0006 per point capped at $99. Transfers to Delta carry it; transfers to foreign programs such as Aeroplan or British Airways do not.
Do Amex Membership Rewards points expire?
No. They have no expiry date. They can be forfeited if a minimum payment is missed or if you close your last eligible card without holding another Membership Rewards product, which is why members transfer or redeem before cancelling.
Where can I see the current list of Amex transfer partners?
On Amex's rewards transfer page. Amex's public guide says points transfer to 19 airline and hotel programs without naming them all, and Aeroplan, ANA, British Airways, Delta, Emirates and Singapore KrisFlyer confirm Membership Rewards transfers on their own US pages.

Airline programs American Express Membership Rewards transfers to

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