How to Transfer AMEX Points to Your Spouse Even Though AMEX Says You Can’t!

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Million Mile Secrets reader Jeremy emails:

I currently have the regular American Express Blue card.  I have this to preserve my Membership Rewards points.  If my wife gets the American Express EveryDay card, will I be able to transfer my points to her so they can be redeemed for travel?

Until earlier this year, American Express allowed spouses to transfer Membership Rewards points between their accounts.  But they’ve changed the rules, and it’s no longer allowed.

How To Transfer AMEX Points To Your Spouse Even Though AMEX Says You Cant

Sorry, Jeremy. You Can No Longer Transfer Your Membership Rewards Points to Your Wife’s Account

Jeremy’s situation is a little more complicated because his only American Express credit card is the AMEX Blue.  It’s a personal card that earns Membership Rewards points that can NOT be transferred to airline and hotel partners!

But read on, because I’ll suggest some workarounds!

Is There a Solution?

Link:   American Express Membership Rewards Terms & Conditions

You can NOT transfer American Express Membership Rewards points directly to your spouse.  However, you CAN transfer your points to an authorized user’s frequent flyer account.  And that authorized user can be your spouse!

How To Transfer AMEX Points To Your Spouse Even Though AMEX Says You Cant

If Your Spouse Is an Authorized User on Your AMEX Card, You Can Transfer Points to Their Frequent Flyer Accounts

The American Express Membership Rewards terms and conditions say:

The frequent customer program account that you transfer points into must be held by you or an Additional Card Member linked to your program account.

American Express Membership Rewards points can be transferred to travel partners like Delta, British Airways, and Hilton.

But Jeremy’s American Express Blue card does not allow points transfers to airlines and hotels.  So even if he adds his wife as an authorized user, he won’t be able to transfer points to her frequent flyer accounts.

He can, however, use his points to pay for travel using the Membership Rewards “Pay With Points” feature.  But he generally won’t get as much value from his points compared to transferring to airlines and hotels.

How To Transfer AMEX Points To Your Spouse Even Though AMEX Says You Cant

Jeremy Can’t Transfer Points to Travel Partners, But He CAN Pay With Points

What’s the Workaround?

Link:   American Express EveryDay Card

In the past, some folks downgraded their American Express cards with high annual fees (like the AMEX Platinum or AMEX Premier Rewards Gold cards) to the AMEX Blue card.  That’s because if they canceled their card altogether, they would lose all their Membership Rewards points.

At the time, the AMEX Blue card was the only Membership Rewards point-earning card with no annual fee.  So many people got 1 to “preserve” their points, even though they could no longer transfer them to airlines.

How To Transfer AMEX Points To Your Spouse Even Though AMEX Says You Cant

Folks Used to Downgrade to the AMEX Blue Card to Avoid Annual Fees and Losing Their Membership Rewards Points

But now, there’s the American Express EveryDay card.  It earns Membership Rewards points that can be transferred to airlines and hotels, and also has NO annual fee.

So Jeremy’s best bet (if he wants to transfer points to his wife’s frequent traveler accounts) is to apply for the American Express EveryDay card, then add her as an authorized user.

He’ll get a sign-up bonus of 10,000 points (and a year of free Amazon Prime membership) after spending $1,000 in the 1st 3 months, and won’t pay an annual fee.

Once he links his new American Express EveryDay card to his Membership Rewards account, he’ll be able to transfer all the points in the account to airline and hotel partners.

That’s because the terms and conditions say:

If you have a Card enrolled in Membership Rewards when you enroll another Card, the Cards will be linked to the same program account.  If this happens, both Cards will be eligible for the benefits available to the Card with the greater benefits.  For example, if you link a Blue Card to a program account with your Platinum Card, you will be eligible to transfer points that you’ve earned by spending with your Blue Card.

Note:   Jeremy might not want to apply for a new credit card if he’s buying a house or taking out a large loan soon.  If that’s the case, he could call American Express and ask to convert his AMEX Blue card to the AMEX EveryDay card.

He will NOT get the sign-up bonus, but folks on FlyerTalk confirm it’s now possible to convert to the EveryDay card.

This could help improve his credit score in the long term if the AMEX Blue is the AMEX card he’s had the longest.  Because AMEX measures your credit history based on your oldest account with them.

That said, I love having multiple AMEX cards because that’s more money saved with AMEX Offers and the annual Small Business Saturday!

Bottom Line

Million Mile Secrets reader Jeremy asks if he can transfer American Express Membership Rewards points from his AMEX Blue card to his wife, and then to airline and hotel partners.

American Express no longer allows points transfers between spouses.  And the AMEX Blue card doesn’t let folks transfer points to airlines and hotels.

But if Jeremy converts his AMEX Blue card to an AMEX EveryDay card, or applies for a new EveryDay card, he can add his wife as an authorized user.  And then he can transfer points to her frequent flyer accounts.

Thanks for the question, Jeremy!

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6 responses to “How to Transfer AMEX Points to Your Spouse Even Though AMEX Says You Can’t!

  1. I have a unique situation. I transferred membership reward points to an Emirates account of my wifes. The problem is emirates only accepts miles from one membership rewards account and won’t un-connect it, and they also wont allow multiple accounts. I am trying to get this fixed but both sides wont make a change.

    Any suggestions.

  2. Thanks for the information regarding how long you need to wait after closing the Chase SWA credit card to secure a new 50,000 bonus.

    I have the same question as it relates to Barclay cards (including the Barclay card and Hawaiian credit cards).

    Thanks for all the advice and miles you have assisted in getting into my and my family’s pockets. In a year and 1/2 , between all of us, we are close to 1 million miles!!!

  3. Yeah know I’ve been wondering it was possible to transfer my AMEX points for awhile. Traveling is one of my favorite things to do, well besides eating, but who doesn’t love eating, lol.

    As @Chriss Bassfored stated, waiting that set amount of time is key for the 50,000 bonus points. I’m interested to see how this works out.

    This is my first time to this blog and I’ve only recently taken up these travel points with credit cards. I’m happy to see there are some solid resources like this get some good insider deals, hehe. Thanks and bookmarked!

    ~Jess

  4. i am getting my husband an amex platinum card through my business (i hope) as i got a great targeted offer but i had just gotten the card myself. is it possible to connect his MR account directly to my delta ff account instead of his own if we set it up that way from the beginning or it would need to match the name on the card? thx in advance. -lee

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  6. An interesting data point for anyone that cares: I was just able to successfully unload my wife’s MR points directly to my delta account, without needing to have myself as an authorized user. I just linked my skymiles account to her MR account, and it worked without any problems (took maybe an hour for the link to process and be able to transfer points to). I didn’t expect it to work since the names obviously wouldn’t match up, but it did. So, YMMV for transferring points from your spouse’s MR account into your rewards accounts.