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One of the many ways to redeem Membership Rewards points is to pay for travel through American Express' travel portal. Whether it's to book flights, hotels, cars, cruises or vacations, you can use the AmEx Pay With Points option. However, the redemption rate varies depending on the type of travel you book and the AmEx card you use to Pay With Points.
Complicating things further, certain cards are eligible for bonus points when cardmembers use Pay With Points on AmEx Travel — making this an even more attractive redemption option for eligible cardmembers. But this valuable points rebate has important limitations and caps.
» Learn more: AmEx Membership Rewards: How to earn and use them
Which cards are eligible for Pay With Points
All American Express cards that earn Membership Rewards points are eligible to use Pay With Points to redeem points through AmEx Travel. Eligible Membership Rewards cards include:
- The Business Platinum Card® from American Express — including a 35% points rebate on flights booked with your selected qualifying airline through AmEx Travel, up to 1,000,000 points back each calendar year.
- Blue from American Express® — at reduced redemption rates.
Terms apply.
What travel purchases are eligible for Pay With Points
American Express cardmembers can use Pay With Points to pay for the following types of travel booked through AmEx Travel:
- Flights.
- Prepaid hotels — including Fine Hotels & Resorts on eligible cards.
- Prepaid rental cars.
- Cruises.
- Vacation packages.
How many AmEx points for a flight?
Much like other dynamic pricing model travel rewards programs, the amount of Membership Rewards points needed for a flight will vary based on your flight preferences and card type.
The AmEx Pay With Points value depends on the type of travel you book using Pay With Points. On almost all Membership Rewards cards — excluding the Blue from American Express® card — you'll get 1 cent per point in value per point redeemed for flights and 0.7 cents per point toward other travel redemptions.
American Express Platinum Card® and The Business Platinum Card® from American Express cardmembers also get 1 cent per point toward Fine Hotels & Resorts bookings.
» Learn more: The best AmEx cards
How to Pay With Points
1. Login and input travel details
To use your Membership Rewards points to Pay With Points, start by logging into your AmEx account at American Express' travel portal. Choose the type of travel you want to book. Enter your travel details and then click the search button.
2. See what trips you can afford with your points stash
AmEx Travel will price the results in both US dollars and points. The points rate won't factor in any bonus points you might qualify for — as this benefit is a points rebate, not a discount. \
So, you'll need to have enough points in your account to pay the full price of the trip. Then, if you booked a qualifying flight, you'll get a points rebate 6-10 weeks after booking the flight.
3. Select your payment plan and book
After selecting your travel plans, enter the traveler(s) information, request seats and consider AmEx's additional insurance products.
Finally, AmEx will present four payment options:
- Use Only Points.
- Use Points + Card.
- Use Only Your Card.
- Monthly Installments with Plan It®.
If you want to only use points, AmEx will automatically apply the total number of points needed. As noted in the fine print, your AmEx card will be charged for the full price of the flight. Then, you'll receive a statement credit after the Membership Rewards are redeemed from your account. AmEx notes that this statement credit may take up to 48 hours to process.
If you want to use a mix of Points + Cash, enter the number of points you want to apply to the purchase. You'll need to apply at least 5,000 points. But otherwise, there's no other restriction on the number of points you can use. If you want, you can apply an exact number of points so you'll still have enough points for a future points redemption.
The next step is critical if you have The Business Platinum Card® from American Express, which offers a 35% Airline Bonus when using Pay With Points to book qualifying flights through AmEx Travel (see rates and fees). Cardholders can get up to 1,000,000 bonus points back per calendar year. A 35% rebate may not sound that significant, but it really boosts the effective redemption rate that you'll get from your points.
To get the Airline Bonus points rebate, you must charge an eligible flight booking to your eligible card. Make sure to select your eligible card from the credit card dropdown and enter the security code to bill the booking to your eligible card.
If your flight qualifies for the Airline Bonus, AmEx should email you within a day or two to share the good news. However, don't check your Membership Rewards account quite yet. AmEx waits 6-10 weeks after the airfare purchase before providing the points rebate.
» Learn more: Which AmEx card is right for you?
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To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.
To view rates and fees of The Business 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 American Express® Gold Card, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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