AMEX Points Value: Redemptions & Cash Value Calculator

Calculate the cash value of American Express Membership Rewards Points based on redemptions. Details on the best ways to maximize value for travel.
Redemption Avg Point Value
AMEX Travel Airfare 1 - 1.53 Cents
Statement Credit 0.6 Cents

American Express Membership Rewards Points can easily be redeemed for 1 cent in value towards airfare purchased directly through amextravel.com, but you can get upwards of 2 cent or more in value transferring rewards to partners.

Membership Rewards Points can also be redeemed for gift cards, statement credits, and at checkout with top retailers.

Earning American Express Membership Rewards Points

American Express Membership Rewards Points are earned by using any of their 10 available Membership Rewards credit cards. American Express offers some of the best travel rewards credit cards on the market in terms of earning rates and travel benefits.

Listed below are a few of their best travel rewards credit cards.

The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express is one of the best travel rewards credit cards on the market if you're looking for lounge access and luxury benefits.

The card's most known benefit is the American Express Global Lounge Collection which grants access to:

  • Centurion Lounges
  • Delta SkyClub Lounges (when flying Delta)
  • Priority Pass Lounges
  • Airspace Lounges
  • Escape Lounges

Other benefits of The Platinum Card include $1,400 in credits, complimentary elite status in the Marriott Bonvoy and Hilton Honors program, travel insurance, and a lot more.

The card earns 5X Membership Rewards Points on airfare purchases directly with an airline and 5X points on airfare and prepaid hotel bookings made through amextravel.com.

The annual fee for the card is a little steep at $695 annually (See Rates & Fees), but once you add up the value of all the benefits, you'll can easily make up for it.

The Platinum Card® from American Express
The Platinum Card® from American Express
Intro Bonus
A New Platinum Exclusive Offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$695
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee
0%

American Express® Gold Card

American Express® Gold Card

If you want to maximize your spending in the restaurant and supermarket category, you'll want to sweep up the American Express® Gold Card.

It earns 4X Membership Rewards Points at restaurants and on U.S. supermarket purchases, 3X points on airfare purchased directly with an airline or via amextravel.com, and 1X on everything else.

The card also offers $120 in annual Uber Cash which can be used for rides or UberEats and $120 in annual dining credits which can be used towards select restaurants and food delivery services such as The Cheesecake Factory and GrubHub.

American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is top-tier option if you're looking for lounge access and higher redemption rates for airfare purchased through amextravel.com.

In terms of lounge access, it offers the American Express Global Lounge Collection which grants access to:

  • Centurion Lounges
  • Delta SkyClub Lounges (when flying Delta)
  • Priority Pass Lounges
  • Airspace Lounges
  • Escape Lounges

One of the best benefits of the card is the 35% airfare rebate that you'll receive when redeeming points for airfare through the AMEX Travel portal. This technically bumps up the value of Membership Rewards Points to 1.543 cents each when you factor in the final price after getting your points back from the rebate.

The Business Platinum Card isn't as riddled with annual credits like it's personal counterpart. It comes with up to $200 in airline incidentals, up to $200 in Dell credits, and a $179 CLEAR credit. For many, this makes it a better option over the personal Platinum Card.

The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Rewards Rate
5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
1X
Earn 1X Membership Rewards® point on all other purchases
Main Card Highlights
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

If you're going to become invested in the Membership Rewards Program and you're looking to maximize your return, The Blue Business® Plus Credit Card from American Express is pretty much essential.

The card earns 2X Membership Rewards Points on the first $50,000 in purchases per calendar year, then 1X for the remainder of the calendar year.

This means you can pair it with just about any Membership Rewards credit card to ensure you don't earn less than 2X on your miscellaneous purchases (at least the first $50,000).

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Intro Bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Main Card Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

Pre-approved offers from American Express

Get pre-approved for top partner cards like The Platinum Card® from American Express or the American Express® Gold Card with help from CardMatch™. All it takes is 60 seconds to find out if you have pre-approved offers.

See Matches

American Express Travel Portal

The American Express Travel Portal allows you to book flights, hotel, car rentals, and cruises all in one spot. Using your Membership Rewards Points to book travel through the portal is one of the easiest ways to redeem your points and using them towards airfare specifically is one of the better options as it will give your points a value of 1 cent each.

Booking Flights

When you redeem your Membership Rewards Points for airfare through the American Express Travel Portal, your points will have a value of 1 cent each. So if a flight costs $275, you would need to use 27,500 Membership Rewards Points to cover it. This is one of the best redemption options for Membership Rewards Points outside of transferring them to airline and hotel partners.

redeem amex points flight
You will get 1 cent per AMEX Point redeeming for airfare.

It is possible to get even more value out of your Membership Rewards Points using The Business Platinum Card® from American Express and American Express® Business Gold Card. Both of these cards offer a point rebate when you use your Membership Rewards Points to book airfare on the American Express Travel Portal. The rebate will apply to:

  • First/Business class with any airline booked through the American Express Travel Portal
  • All other fares booked with one airline of your choosing (can change once per year in January)
select airline platinum card amex
You'll have to select an airline for your rebate and/or airline incidental credit.

The Business Platinum Card Rebate

The Business Platinum Card offers a 35% point rebate when you use your Membership Rewards Points to book airfare on the American Express Travel Portal. This means you will get 35% of the points you used to book your travel added back to your account.

As a personal example, I purchased four Delta Airlines tickets through the AMEX Travel website. The cash cost of the tickets would have been $1,073.26, but I choose to use points so it cost me 107,326 Membership Rewards Points.

redeem amex points airfare
I used 107,326 points to pay for my Delta flights through the AMEX Travel Portal.

Exactly one month later, American Express credited me my rebated points which put 37,565 Membership Rewards Points back into my account.

amex business platinum 35% rebate
My rebate was credited back to my account.

So overall I used a grand total of 69,761 points to pay for a $1,073.26 flight which gave my AMEX Points a value of 1.538 cents each. This value will always be the case when using the 35% rebate option.

Just note that you will need to have enough points to cover the cost of the flight at the original 1 cent per point price.

American Express Business Gold Card Rebate

The American Express Business Gold Card offers a 25% rebate when you redeem your Membership Rewards Points for airfare through the American Express Travel Portal. This operates exactly the same as The Business Platinum Card, but with a slightly smaller rebate.

Using the same 107,326 points from the previous example, a 25% rebate would have meant that I would received 26,832 points back. So I would have spent a total of 80,494 points giving my points a value of 1.33 cents each which is always the case when using the 25% rebate.

American Express® Business Gold Card
American Express® Business Gold Card
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Rewards Rate
4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
1X
Get 1X on all other purchases.
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.
  • Terms Apply.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%

Is The Rebate Better Than Transferring Points?

If you have The Business Platinum Card or American Express Business Gold Card, you'll have to decide on whether you want to transfer points to the frequent flyer program or redeem them directly through the American Express Travel Portal.

Neither one of these options are "always" the better choice. There are times in which the rebate is a better option and times in which transferring is the better option.

Since both rebates have a point value assigned to them, it's pretty easy to figure out which option gives your points the best value since all you'll need to do is see how much value transferring rewards would give you.

In the case of my example, transferring my Membership Rewards Points to Delta SkyMiles for that specific flight would have given me a value of 1.25 points. So using either rebate would have benefited me more than transferring.

Delta Airlines Benefit

Delta is the sponsored airline of the American Express Travel Portal. When you use your AMEX Membership Rewards Points to pay for your flights, you'll still earn Delta SkyMiles as well as Medallion Qualifying Miles (MQMs), Medallion Qualifying Segments (MQSs), and Medallion Qualifying Dollars (MQDs).

So if you're working towards Delta Medallion Status and you want credit for everything on award flights, redeeming your Membership Rewards Points for flights on Delta using the American Express Travel Portal is the better option.

Delta does not give you credit towards status if you book an award flight directly with them. You will not earn MQMs, MQSs, or MQDs. This is another reason why I opted to use my points through AMEX Travel versus transferring points in the previous rebate example.

Membership Rewards Insider Fares

Another plus to redeeming Membership Rewards Points for airfare is the Membership Rewards Insider Fares. Depending on the cost of your tickets or how many tickets you're buying, this can save you a few thousand Membership Rewards Points.

You must be signed into your Membership Rewards account to see these fares. They will usually pop up first in your list of results when searching for flights through the portal.

detroit to tampa insider fare
Save money with insider fares booking through the AMEX Travel Portal.

Booking Hotels

You can use Membership Rewards Points to book hotel stays through the American Express Travel Portal. If you have The Platinum Card® from American Express, The Business Platinum Card® from American Express, American Express Centurion Card, or American Express Business Centurion Card, you'll be able to book stays at Fine Hotels & Resorts properties at a value of 1 cent per point which is pretty good value.

amex travel portal ritz carlton atl marriott
Receive 1 cent in value with Fine Hotels & Resorts.

All other hotel bookings that are not part of Fine Hotels & Resorts program will give your AMEX Points a value of 0.7 cents per point. So a hotel that's $200 per night would cost you roughly 28,571 Membership Rewards Points per night.

This isn't the best redemption option, but it can still be useful if you want to stay for free or shave down the cost of the hotel.

amex travel portal marriott
You'll get 0.7 cents per point booking hotels through the AMEX Travel Portal.

If you're booking a stay at a Hilton, Marriott, or Choice brand hotel, do note that they are all transfer partners of American Express. You can transfer points from American Express to these programs at the following rates:

  • Marriott Bonvoy (1:1)
  • Choice Privileges Points (1:1)
  • Hilton Honors Points (1:2)

So you'll want to go to the hotel's website to check the award cost to see if it would save you some points (it usually will more times than not).

Fine Hotels & Resorts

Room upgrades, daily breakfast for two people, guaranteed 4pm late check-out, noon check-in, complimentary Wi-Fi, and a unique property amenity, such as a spa or food & beverage credit comes with Fine Hotels & Resorts reservations. These benefits are available to personal and business cardholders of Centurion and Platinum cards.

The Hotel Collection

The Hotel Collection comes with a $100 hotel credit to spend on qualifying dining, spa, and resort activities and can also receive a room upgrade at check-in if available. This is available to personal and business cardholders of Platinum and Gold cards.

AMEX Upgrade With Points

Membership Rewards Points can be used to place an offer towards a seat upgrade with more than 20 airlines.

After you've purchased your ticket with a participating airline, you can jump to the American Express Travel Site to enter your reservation details. If the itinerary is eligible for an upgrade, you can then use points to make an offer.

You will find out where or not the offer has been granted usually within 5 days of the flight.

The following airlines allow you to make an upgrade offer using Membership Rewards Points:

  • Aeromexico
  • Air Canada
  • Air China
  • Air Mauritius
  • Avianca
  • Caribbean Airlines
  • Ethiopian Airlines
  • Etihad Airways
  • Fiji Airways
  • Garuda Indonesia
  • Gulf Air
  • Icelandair
  • Kenya Airways
  • LATAM
  • Polish Airlines LOT
  • Oman Air
  • Philippine Airlines
  • Qantas
  • Scandinavian Airlines (SAS)
  • Singapore Airlines
  • South African Airways
  • TAP Air Portugal

AMEX Pay With Points

The Pay With Points program allows you to redeem your points at checkout with top retailers. The value of your points will range between 0.5 cents and 1 cent depending on the retailer.

While not the best use of points, it's nice to have an option that can help the cost off your bill at checkout.

You can use AMEX Pay With Points with the following retailers:

  • Amazon
  • Best Buy
  • Boxed
  • Dell
  • GrubHub
  • JustGiving
  • NYC Taxi
  • Newegg
  • PayPal
  • RiteAid
  • Saks Fifth Avenue
  • Seamless
  • Staples
  • Ticketmaster
  • Walmart
  • AMEX Checkout

The option to pay with Points will typically appear if you have a Membership Rewards credit card attached to your account.

AMEX Checkout

Some retailers offer you the ability to checkout via AMEX Checkout. When you select this option (typically at checkout), you'll have the ability to pay with points. This option is available at many retailers including:

  • GrubHub
  • Hulu
  • Staples
  • Ticketmaster
  • Avis
  • Delta
  • Ebags
  • Neiman Marcus
  • Sears
  • Walmart
  • Boxed

Cover Card Charges

Membership Rewards Points can be redeemed towards card charges for a value of 0.6 cents per point. You can use your points to cover card charges made to any of your Membership Rewards credit cards regardless of how the points were obtained.

Wipe out card charges.

When redeeming your Membership Rewards Points, AMEX allows you to pick which charges you want to cover using your points. If you do not have enough points to cover the charge, it will not allow you to use partial points to cover it.

Gift Cards

Membership Rewards Points can be redeemed for almost 100 different gift cards consisting of restaurants, retail stores, entertainment and more. The value you get out of redeeming your points for gift cards will range between 0.5 cents and 1 cent in value.

Do note that some gift card options are partners of the Membership Rewards Program. For example, picking up a Delta Airlines gift card would be a terrible choice since you can redeem your Membership Rewards Points for 1 cent each on the American Express Travel Portal for flights on Delta or transfer them directly to your Delta SkyMiles account at a 1:1 ratio.

Keep an eye out for stuff like this and be careful when redeeming for travel gift cards.

AMEX Shop With Points

You can use Membership Rewards Points to shop the Membership Rewards store. It features a range of departments such as technology, home & office, sports & games, and more.

It also has brand name products from top companies such as Apple, Sony, and Google. Redeeming your AMEX Points through the shopping portal will give them a value of 0.5 cents each which is one of the lowest redemption values for Membership Rewards Points.

Unless you find a deal within the Membership Rewards store, you would be better off using your card to make the purchase and then using points to cover the card charges.

Transferring Membership Rewards Points To Partners

American Express Membership Rewards Points can be transferred to more than 20 partners. Those partners are:

Transferring Membership Rewards Points to airline and hotel partners is where you'll have the chance to get the most value out of your points. This is because airline miles and hotel rewards points will vary in value depending on the redemption.

Airline miles have an average value of more than 1 cent each which is the maximum value you can get redeeming directly with AMEX (with the exception of the airline rebates).

Hotel rewards points are generally less than 1 cent in average value, but there are redemptions that can earn you higher than 1 cent in value. Redeeming hotel rewards points for higher value will take slightly more effort than transferring to frequent flyer programs.

Below are a few examples of how you can transfer your points to get higher than 1 cent in value.

Delta Airlines

Membership Rewards Points can be transferred to Delta SkyMiles at a 1:1 ratio. This means transferring 1,000 Membership Rewards Points to Delta will give you 1,000 SkyMiles.

I can book a one-way flight from New York (JFK) to Dubai (DXB) for 85,000 Delta SkyMiles plus $332 in fees/taxes. The cash cost of the lowest flights available that week costs $2,749. So this redemption would give your SkyMiles a value of 2.84 cents each.

So if you were to transfer 85,000 Membership Rewards Points to Delta and book this award flight, you would be redeeming your Membership Rewards Points for 2.84 cents each. Booking this flight through AMEX Travel would cost you 274,900 Membership Rewards Points at the value of 1 cent per point... yikes.

Before you book a flight on AMEX Travel, be sure to check the award cost if the airline you're booking is a transfer partner of AMEX. You may find better value in transferring points in most cases.

Virgin Atlantic

Here's another Delta example, but from a different approach. Let's say I want to use my Membership Rewards Points to fly from Detroit, Michigan to Amsterdam, Netherlands.

The cash price for the flight is a few dollars short of $5,000.

delta one detroit to amsterdam
That's a lot of cash.

The lowest cost in Delta SkyMiles is 160,000 Miles.

delta one detroit to amsterdam skymiles
Not too shabby.

The rebates provided by the The Business Platinum Card and the American Express Business Gold Card would be out of the question as the flight would cost nearly 500,000 Membership Rewards Points using the AMEX Travel Portal.

Even with The Platinum Card's International Airline program, it's still going to cost a lot of points if you take this path.

delta one detroit to amsterdam amex portal
No.

The most straightforward option would be transferring 160,000 Membership Rewards Points to your Delta SkyMiles account. This will give your SkyMiles a value of around 3 cents each which is quite superb... BUT... there are other options.

Delta Airlines has a handful of partners which consists of SkyTeam Alliance airlines and handful of other closely partnered airlines that aren't in the alliance... one of those airlines being Virgin Atlantic.

I know that Virgin Atlantic is one of the best options for booking Delta flights to Europe, especially Delta One. I can go to the Virgin Atlantic's UK Homepage and look at the same flight.

virgin atlantic book delta one
This is a fantastic redemption.

The same flight will cost 100,000 Virgin Atlantic Flying Club Miles for a roundtrip in Delta One. This gives me a whopping 5 cents per point which is fantastic value and a great deal considering some of the most basic Delta flights in Main Cabin can run you 70,000 SkyMiles.

Marriott Bonvoy

Membership Rewards Points can be transferred to Marriott Bonvoy at a 1:1 ratio. This means transferring 1,000 Membership Rewards Points to Marriott will give you 1,000 Marriott Bonvoy Points.

The Point Calculator values Marriott Bonvoy Points to be 0.7 cents each on average, but that's just the average value if you book a room with no type of research.

It's not hard to get more than 1 cent in value... in fact, I personally only redeem my Marriott Bonvoy Points if it gives me 1 cent or more in value. With hotel rewards points, you have to set a reasonable low (that is if you care about value).

The Fairfield Inn & Suites Chillicothe is a nice hotel that I've stayed in a few times. I can book a 5-night stay and get a value of 1.78 cents per Marriott Bonvoy Point.

marriott chillicothe

Closer to downtown, the Sheraton Columbus Hotel is only offering a value of 0.76 cents per point.

marriott sheraton columbus

These are just local hotels for me when I'm trying to get away or stay near family. If you're looking for vacation spots, it's not hard to find value there either. All of the redemptions below offer more than 1 cent in value and it only took a minute or two to find them as examples.

3-night stay in Orlando for $990 going for 85,000 points. A value of 1.16 cents.
5-night stay in Aruba for $3,875 going for 280,000 points. A value of 1.38 cents per point.
5-night stay in Maldives for $11,805 going for 400,000 points. A value of 2.9 cents per point.

You can find value in low category 2 hotels like The Fairfield Inn & Suites Chillicothe up to Marriott's most expensive category 8 hotels such as The St. Regis Maldives Vommuli Resort. So don't count hotels out when it comes to getting great value.

Best Approach For Transferring Points To Airlines

When trying to get great value out of your Membership Rewards Points (at least for flights), you'll want to first figure out your destination.

For example, I can Google 'best ways to get to the Maldives on points' and several articles from trusted sources will pop up in the results. They will then typically lay out a bunch of airlines that you can use, how many miles it will cost, and other useful tidbits of information.

From there, you can check AMEX's list of transfer partners and see if any of those transfer partners are mentioned in the list. If so, you now have a plan of attack as you can transfer your points to that airline and redeem them to get to your destination.

Best Approach For Transferring Points To Hotels

Finding value in hotels can be a tad bit more challenging, but it's possible. You can use the same google approach, but let's face it... hotels can be a little more personal when compared to airlines.

It will work for popular locations, but if you're visiting family in a non-major city, you're better off just look at the list of options available in the area.

Generally, Marriott will offer you the highest chance of getting great value out of your point transfers, especially if you make use of their 5th night free benefit which allows you to book 5-night award stays for the cost of 4.

Hilton is a little more of a challenge, but there's value to be found out there. This is more common with their popular resorts. Hilton has four credit cards that offer excellent value, so you'll want to consider those for building points in the Hilton Honors program.

You will not find much value in the U.S. when it comes to booking Choice Hotels, but there can be some solid value in the U.K. and Australia with a little research.

Transfer Points Accordingly!

You don't have to be in any rush to transfer Membership Rewards Points to partners. Even if you only plan on using your Membership Rewards Points for one airline or one hotel loyalty program, I would recommend transferring them only when you need to do so.

You never know when another deal might pop-up with another loyalty program. This especially holds true with airlines since you can book award flights across partner airlines such as booking Delta flights using Virgin Atlantic or Aeromexico.

Plus, AMEX offers transfer bonus from time to time that can earn you bonus points or miles when moving your Membership Rewards Points to another loyalty program. Transferring your points ahead of time could cost you bonus points towards your favorite programs.

My 2 Cents In Value

Don't feel pressured to redeem your Membership Rewards Points for high value. Every redemption will not give you 90 cents per point.

There's no "best way" to use your points. If you're a few Choice Privileges Points shy of a free night redemption, go ahead and transfer your points to Choice. So what if the redemption is 0.7 cents... you still get a free night out of it.

I've redeemed Membership Rewards Points for 5 cents each and I've redeemed them for 0.6 cents each. If a low redemption helps you, then it helps you. Don't let others make you feel like you need to book first/business class flights and high-class hotels.

You've earned your rewards... use them how you want to use them.

AMEX Points Value Calculator

Use the AMEX Points Value Calculator to calculate the average cash value of AMEX Membership Rewards Points based on redemption options. You can enter any amount of points in the calculator below.

AMEX Points Value Calculator

Enter any amount of points to see the average cash value.
Points
Point Transfers
Airline Partners
~1.2 to 2.0+ cents
~$0 to $0+
Hotel Partners
~0.6 to 1.5+ cents
~$0 to $0+
AMEX Travel Airfare
The Business Platinum Card
35% Rebate | 1.538 cents
$0
American Express Business Gold Card
25% Rebate | 1.33 cents
$0
All Other AMEX Cards
1 cent
$0
AMEX Travel Hotels
Fine Hotels & Resorts
Platinum, Business Platinum Cardholders | 1 cent
$0
The Hotel Collection & Other Hotels
0.7 cents
$0
Other Redemptions
Members Give (Charity), NYC Taxi
1.0 cent
$0
AMEX Pay With Points At Checkout
0.7 cents
$0
Card Charges / Statement Credit
0.6 cents
$0
Gift Cards
0.5 to 1 cent
$0 to $0
Ticketmaster
0.5 cents
$0
Shopping Portal
0.5 cents
$0

FAQ

How much are AMEX Membership Rewards Points worth?

American Express Points are worth 1 cent each when redeemed towards airfare through American Express Travel. They can be worth significantly more when transferred to airline and hotel partners.

What's the best way to redeem AMEX Membership Rewards Points?

The best way to redeem points for maximum value is by transferring them to AMEX's airline and hotel partners. You can also get solid value redeeming them for airfare through American Express Travel.

How much is 20,000 AMEX Points worth?

20,000 AMEX Points have an average value of $200 towards airfare on the American Express Travel Portal, but can be worth upwards of $400 or more when transferred to partners.

How much is 50,000 AMEX Points worth?

50,000 AMEX Points have an average value of $500 towards airfare on the American Express Travel Portal, but can be worth upwards of $1,000 or more when transferred to partners.

How much is 75,000 AMEX Points worth?

75,000 AMEX Points have an average value of $750 towards airfare on the American Express Travel Portal, but can be worth upwards of $1,500 or more when transferred to partners.

How much is 100k AMEX Points worth?

100,000 AMEX Points have an average value of $1,000 towards airfare on the American Express Travel Portal, but can be worth upwards of $2,000 or more when transferred to partners.

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Updated 2021-07-21 By Robert Flowers III

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