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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.
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:
- The Platinum Card® from American Express
- American Express® Business Gold Card
- American Express® Gold Card
But Amex Business Platinum cardholders get a 35% points rebate:
- 35% of your points back for all first-class or business-class flights booked through the Amex travel portal
- 35% of your points back for all flights, including coach tickets, booked with your selected airline through the Amex travel portal
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
- Frontier Airlines
- Hawaiian Airlines
- 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.
|Points||Value of Airfare Through the AMEX Travel Portal||35% Points Rebate Amount|
|125,000 AMEX Membership Rewards Points||$1,250||43,750 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|
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.
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:
- Amex points value
- Best way to use Amex points
- Amex transfer partners
- How to earn Amex points
- How to set up an American Express Membership Rewards account
- How to use American Express points
- Do American Express Points expire?