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Amex Pay With Points: The hassle-free way to get $1,800+ worth of airfare with the Amex Business Platinum card

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Amex Pay With Points: The hassle-free way to get $1,800+ worth of airfare with the Amex Business Platinum card

Million Mile SecretsAmex Pay With Points: The hassle-free way to get $1,800+ worth of airfare with the Amex Business Platinum cardMillion Mile Secrets Team

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INSIDER SECRET: Along with the Pay With Points perk, the airport lounge access provided by The Business Platinum® Card from American Express will get you into 1,400+ lounges worldwide, allowing you to travel in style.

The Business Platinum® Card from American Express is an excellent card to consider, especially now because of its increased, limited-time 100,000-point welcome bonus, valid through December 4, 2019, after meeting tiered minimum spending requirements.

Between the welcome offer and points from meeting the minimum spending requirements, you can earn at least 125,000 Amex Membership Rewards points. These points can get you more than $1,800 worth of airfare by using Amex Pay With Points because Business Platinum cardholders get an exclusive 35% points rebate.

The Pay With Points perk also comes in handy if you’re booking the comfortable JetBlue Mint business-class seats or if you want to stretch your points by booking coach airfare on your favorite airline.

With Amex Pay With Points, Business Platinum cardholders can easily redeem points for flights to destinations like London without having to worry about blackout dates. (Photo by Sven Hansche/Shutterstock)

Amex Pay With Points

When you use your Amex Membership Rewards points for air travel through the travel portal, you’ll get 1 cent per point toward your ticket with most Amex cards, including:

But Amex Business Platinum cardholders get a 35% points rebate:

You can designate one of 9 airlines to use the Pay With Points perk for coach airfare when you first get the card. If you wish to change that selection, you may do so in January in subsequent years. Here is the list of airlines:

  • Alaska Airlines
  • American Airlines
  • Delta
  • Frontier Airlines
  • Hawaiian Airlines
  • JetBlue
  • Southwest
  • Spirit Airlines
  • United Airlines

This table shows how earning 125,000 Amex Membership Rewards points can get you more than $1,800 worth of airfare.

PointsValue of Airfare Through the AMEX Travel Portal35% Points Rebate Amount
125,000 AMEX Membership Rewards Points$1,25043,750 AMEX Membership Rewards points
43,750 AMEX Membership Rewards points~$438~15,313 AMEX Membership Rewards points
~15,313 AMEX Membership Rewards points~$153~5,359 AMEX Membership Rewards points
Total~$1,840

This example assumes you use all 100,000 points for one flight and the rebate points for additional flights. Of course, there are many redemption options and you’re not required to use all of your points at once.

You must redeem at least 5,000 points to use Pay With Points. Your 35% points rebate of Amex Membership Rewards points is automatic but you won’t see them in your account for 8 to 10 weeks.

The Business Platinum Pay With Points perk is not just for the primary cardholder. As long as you use Amex Membership Rewards points linked to your Business Platinum card, you’ll be eligible to get 35% of the points back after booking coach flights on your selected airline or on business-class or first-class flights on any airline. It doesn’t matter who the passengers are.

Pay With Points example: New York to London round-trip

Here’s an example of how Pay With Points with the Amex Business Platinum card works:

Through the Amex travel portal, I found a round-trip coach ticket from New York-JFK to London for ~$485. Using Pay With Points, this ticket would cost 48,583 Amex Membership Rewards points.

But Amex Business Platinum cardholders who select Delta as their airline get 35% of their points back (~17,004 points in this example), so the final cost of this flight is 31,579 Amex Membership Rewards points. This means you’re effectively getting a value of more than 1.5 cents per point ($485 cash price of ticket/31,579 net points required for ticket), which is a great deal.

Limited-time Amex Business Platinum 100,000-point offer

Through December 4, 2019, the Amex Business Platinum card is offering an increased welcome bonus. You’ll earn:

  • 50,000 Amex Membership Rewards points after spending $10,000 on purchases in the first three months of account opening
  • 50,000 Amex Membership Rewards points after spending an additional $15,000 on qualifying purchases within the same time frame

This is the highest-ever bonus for this card, so if you’ve been on the fence about applying, now’s the time to do it. For an in-depth look at this card, check out our Amex Business Platinum review here.

Bottom line

Pay With Points is an excellent benefit for anyone looking to avoid the hassle of dealing with award charts and blackout dates. It’s essentially like paying with cash.

When you use your Amex Membership Rewards points toward air travel through the travel portal, you’ll get 1 cent per point toward your ticket with most Amex cards, but with the Amex Business Platinum card, you’ll get a 35% points rebate when booking select flights — which can translate into serious savings.

For anyone considering the limited-time 100,000-point offer on the Amex Business Platinum card (valid through December 4, 2019), it means you can get more than $1,800 in airfare from the offer when you account for the points you’ll earn meeting the minimum spending requirements, which is an incredible deal.

Check out these posts for more details on Amex Membership Rewards points:

 

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I am pretty good with Chase cards, and even some AA cards, but AMEX still mystifies me somehow. It would be great to just have a list of exactly which cards are available, and which ones are taboo once one had it due to the lifetime or 7 year rule. I have had the Delta Gold Skymiles Personal and Business ones, Personal closed, Biz about to close. So which AMEX are available to me ? Thanks

How does this work if you have SW as your airline since you can’t buy their tickets through Amex Portal?

emily castelli

If I canceled my AMEX platinum card a year ago would I be able to sign up for a new platinum or business platinum and still get the bonus?

Hi Emily! AMEX is pretty strict on their bonus rules. You’ll only be able to earn the welcome bonus once per person, per lifetime, on each of their individual card products. So if you earned a bonus on the AMEX Platinum previously, you won’t be able to earn another bonus on it.

BUT the AMEX business platinum is considered a separate product from the personal AMEX platinum, so you could earn a bonus on that card!

https://millionmilesecrets.com/guides/sign-up-bonus-101-do-you-know-what-a-different-card-product-is/

It is a much better value to trade in points for miles than the 35% discount. I made this mistake. I got the 35% discount on a $1400 Delta fare ($910) but if I could have converted to Delta miles and then purchased the fare it would have been only $700 in points (a 50% discount) ! This article should mention this.

Million Mile Secrets

Good point! It’s definitely worth checking to see how much an award flight costs if you transfer points. The sample flight in the post (New York to London) would cost 70,000 Delta miles plus ~$184 in taxes and fees. So in this case, using Pay With Points is a much better deal.

Instead of 11,637 in step #3 use just 10,000 points and you will be able to add step #4 with a use of 5,000+ points to save even more.

Million Mile Secrets

Excellent suggestion! Also, if you continue spending on the card, you’ll likely accumulate enough points to hit the 5,000 point threshold for a Pay With Points redemption.