AMEX Points To Dollars: Calculators & Redemption Values

Rewards Conversion Calculators
Calculate the average cash value of Membership Rewards Points to find out if it's worth paying cash or redeeming AMEX points.
Last Updated 2022-04-06 By R.Flowers III

American Express Membership Rewards Points can be worth anywhere from 0.5 to 2 cents depending on the redemption. You'll get the best value when redeemed for travel.

AMEX points value

Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

American Express Membership Rewards Points can be worth as little as 0.5 cents and as much as 2 cents (or more) depending on how you redeem them.

The base value of Membership Rewards Points is 1 cent apiece which comes from redeeming them towards airfare with American Express Travel. When redeeming points, you'll want to aim for this value or higher.

Convert AMEX points to dollars

Use the AMEX Points Value Calculator to determine the cash value of Membership Rewards Points based on the average redemption value. This will give you an idea of how much your points are worth.

Enter any amount of AMEX Points to calculate the dollar value.
Points
Redemption Average Dollar Value
Transferring points to airline and hotel partners $0 to $0
AMEX Travel airfare via Business Platinum Card $0
AMEX Travel airfare via Business Gold Card $0
All other AMEX Travel airfare bookings $0
AMEX Travel hotels through Fine Hotels & Resorts $0
All other AMEX Travel hotel bookings $0
Pay with Points at checkout $0
Card charges & statement credits $0
Gift cards $0 - $0
Shopping portal $0

Calculate the value of a redemption

Use this calculator to determine if a redemption is worth it based on the cost in AMEX points and the cost in cash. You'll want to strive for a redemption that gives your points a value of 1 cent or more.

Cost of Redemption In Cash
Enter how much the flight or redemption would cost you if you paid cash.
$
Cost of Redemption In AMEX Points
Enter how much the flight or redemption would cost you in Membership Rewards Points along with any taxes, fees, or additional cash cost you would have to pay.
AMEX Points
Points
Taxes/Fees
$
Redemption Value
This is how much your Membership Rewards Points are worth based on the values entered above.
- Cents Per Point
-

How to earn AMEX points

American Express Membership Rewards Points can be earned through welcome offers and everyday spending across AMEX credit cards.

Here are a few of the best credit card offers for earning Membership Rewards points:

Credit Card Highlights Annual Fee
Best For Lounge Access & Luxury Travel
  • Intro Bonus: 80,000 Bonus Points
  • Earn 5X points on flights booked directly with airlines or with American Express Travel (up to $500,000, then 1X)
  • Earn 5X points on prepaid hotels booked through American Express Travel
  • Earn 1X points on all other eligible purchases
  • Global Airport Lounge Access including Centurion Lounges, Delta Sky Club Lounges (when flying Delta), Airspace Lounges, Escape Lounges, and Priority Pass Lounges
  • Over $1,400 in annual credits which includes airline incidentals, Uber Cash, digital entertainment, Fine Hotels + Resorts and The Hotel Collection, and more
  • Enroll in complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold status
  • Terms Apply
$695
Best For Restaurants & U.S. Supermarkets
  • Intro Bonus: 60,000 Bonus Points
  • Earn 4X points at restaurants and on up to $25,000 in annual U.S. supermarket purchases
  • Earn 3X points on flights booked directly with airlines or on amextravel.com
  • Earn 1X points on all other purchases
  • Up to $120 in Uber Cash credit each year
  • Up to $120 in dining credits each year
  • Terms Apply
$250
Best For Lounge Access & Luxury Business Travel
  • Intro Bonus: 120,000 Points
  • Earn 5X points on flights and prepaid hotels on amextravel.com
  • Earn 1.5X points on select business purchases and on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per year
  • Earn 1X points on all other eligible purchases
  • Global Airport Lounge Access including Centurion Lounges, Delta Sky Club Lounges (when flying Delta), Airspace Lounges, Escape Lounges, and Priority Pass Lounges
  • Over $1,400 in annual credits which includes Dell, Adobe, Indeed, CLEAR, and more
  • Get 35% points back when you redeem points for all or part of an eligible flight booked with AMEX Travel
  • Enroll in complimentary Marriott Bonvoy Gold Elite status and Hilton Honors Gold status
  • Terms Apply
$695
Best For Business Rewards
  • Intro Bonus: 70,000 Points
  • Earn 4X points on the 2 select categories where your business spent the most each month
  • Earn 1X points on all other purchases
  • Get 25% points back when you redeem points for all or part of an eligible flight booked with AMEX Travel
  • Terms Apply
$295
Best For Small Business & Miscellaneous Purchases
  • Intro Bonus: 15,000 Points
  • Earn 2X points on the first $50,000 in purchases per year, then 1 point per dollar thereafter
  • No annual fee
  • Terms Apply
$0

Earn AMEX points with Rakuten Rewards

If you have at least one Membership Rewards credit card, you can earn AMEX points shopping online with over 3,600 retailers using Rakuten Rewards.

To summarize it, Rakuten is a cash back portal that pays you cash back when you start your online shopping session through their website. When you click through to a store/retailer from their website, they get paid a commission (e.g. referral) and they share part of that commission with you, the user.

Rakuten is partnered with American Express which allows you to earn Membership Rewards Points on your purchases instead of cash back. This makes it extremely easy to earn lots of points making purchases online that you were probably going to make anyway.

You can sign up for a free Rakuten Rewards account through us and receive bonus Membership Rewards Points the first time you use their portal.

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.

Quick Credit Card Search Tool

Input your monthly spend into our calculator below to find out which credit cards will earn you the most points, miles, and cash back per dollar spent. Whole numbers only, no decimals/cents.

Use the full credit card finder tool for additional customization options including the ability to add additional categories, toggle between monthly and yearly spend, and more.

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