Transfer AMEX Points to Partner Airlines & Hotels Without Paying an Annual Fee

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Transfer AMEX Points to Partner Airlines & Hotels Without Paying an Annual Fee

Million Mile SecretsTransfer AMEX Points to Partner Airlines & Hotels Without Paying an Annual FeeMillion Mile Secrets Team

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Million Mile Secrets reader, josh mackles, commented:

You have been a great teacher in always reminding us that Chase Ultimate Rewards points only transfer to travel partners if you have certain chase cards like Chase Sapphire Preferred, and Citi ThankYou points only transfer if you own certain cards like Citi Prestige.

But I don’t recall you ever mentioning AMEX Membership Rewards points.  I just signed up for the whopping 50,000 AMEX Membership Rewards points bonus for the AMEX Premier Rewards Gold card, but I don’t want to pay the $195 annual fee that will come due the 2nd year.

So my question is, if I cancel this card, will I be able to transfer the points to an airline using my no annual fee AMEX EveryDay card?  Or will I need to keep another AMEX Membership Rewards points card that has an annual fee?

Thanks for your question, Josh!

You CAN transfer your AMEX Membership Rewards points to travel partners with the AMEX EveryDay card!

Transfer AMEX Points To Partner Airlines Hotels Without Paying An Annual Fee
Folks With the AMEX EveryDay Card Can Transfer to Partner Loyalty Programs and Won’t Pay an Annual Fee!

In fact, it’s the only no annual fee credit card that allows you to transfer points to hotel and airline programs.

I’ll remind you which partners are available, and some of the best ways to use your points!  And give you tips about what to do if you decide the card isn’t right for you.

About AMEX Membership Rewards Points

Link:  AMEX EveryDay® Credit Card from American Express

AMEX Membership Rewards points give you a lot of flexibility with your travel plans.  That’s because you can transfer them to airline and hotel partners:

 American Express Membership Rewards Airline Transfer Partners 
AeroMexicoAir CanadaAlitalia
ANAAsia MilesBritish Airways
Delta El AlEmirates
EtihadFlying Blue (Air France / KLM)Hawaiian Airlines
IberiaJetBlueSingapore Airlines
Virgin Atlantic
 American Express Membership Rewards Hotel Transfer Partners 
Choice HiltonStarwood

You can check out how to use AMEX Membership Rewards points to visit Europe.  And learn about how to use them for flights on United Airlines, too!

Here are all the credit cards that earn AMEX Membership Rewards points:

Personal CardsBusiness Cards
Premier Rewards Gold Card From American ExpressThe Business Gold Rewards Card from American Express OPEN
The Platinum Card® from American ExpressThe Blue Business℠ Plus Credit Card from American Express
Amex EveryDay® Preferred Credit CardThe Business Platinum® Card from American Express OPEN
AMEX EveryDay® Credit Card from American Express


Business Green Rewards Card from American Express OPEN

You’ll notice the AMEX EveryDay card is on the list, and it’s the only 1 with NO annual fee. 

When you sign-up, you’ll also get:

  • 10,000 AMEX Membership Rewards points after spending $1,000 on purchases with your new Card within the 1st 3 months
  • 2X AMEX Membership Rewards points per $1 at US supermarkets up to $6,000 a year and
  • 1X AMEX Membership Rewards point per $1 on other purchases
  • NO annual fee
  • Terms & Limitations Apply
Transfer AMEX Points To Partner Airlines Hotels Without Paying An Annual Fee
If You Use Your AMEX EveryDay Card 20+ Times in a Month, You’ll Earn 20% More Bonus Points!

But if you use the card to make 20 or more purchases within a billing cycle, you will earn an extra 20% Membership Rewards points, less returns and credits.  There is NO minimum transaction amount for any of those 20 purchases.

There’s also the AMEX EveryDay Preferred card that earns a 50% bonus on points if you make 30 or more transactions per month and earns 3X AMEX Membership Rewards points on the 1st $6,000 spent on groceries each year, 2X AMEX Membership Rewards points at US gas stations, and 1X AMEX Membership Rewards point on all other purchases.

But it has a $95 annual fee.  Read my reviews of both cards to see which 1 is best for you!

Do This Before You Cancel!

Option 1:   If You Must Cancel, Evaluate for ~10 Months First

Link:   Is It Worth Keeping Your American Express Card After the 1st Year?

Link:   When Should You Cancel Your Credit Cards?

Josh wants to cancel his AMEX Premier Rewards Gold card before the annual fee is due the 2nd year.

If you decide a card isn’t right for your after the 1st year, you can cancel it.  Simply call the number on the back of your card.  There won’t be any pressure to keep the card open, and at best you’ll get a retention offer to keep the card, or even a fee waiver for another year.

If you don’t want to speak to anyone, you can even send a secure message via online banking.

Transfer AMEX Points To Partner Airlines Hotels Without Paying An Annual Fee
Before You Cancel Any Card, Evaluate Its Perks for at Least ~10 Months to See If It’s Worth Keeping. Remember With AMEX Personal Cards, You Can Only Earn the Sign-Up Bonus Once per Lifetime!

In general, I evaluate whether to keep or cancel a card after 9 to 10 months.  That’s because most cards waive the annual fee for the 1st year, so there’s no point canceling the card immediately.

And banks don’t like when you close a card right after getting the sign-up bonus!  So they might hesitate to approve you for more of their cards in the future.

Keep in mind with personal AMEX cards, you can only earn the sign-up bonus once per lifetime!

And remember to keep your points if you do decide to cancel!

Option 2:   Convert the Card

Link:   What’s the Difference Between a Charge Card and a Credit Card?

Another option is to convert the card to another 1 that has no annual fee.  That way you can keep your credit line, and improve your relationship with the bank (and even boost your credit score!).

You can convert the AMEX EveryDay Preferred with a $95 annual fee, for example, to the AMEX EveryDay card, which has NO annual fee.  That’s because they’re both credit cards.

However, when you convert card, you will NOT have the opportunity to earn a sign-up bonus as if you were a new applicant.

Transfer AMEX Points To Partner Airlines Hotels Without Paying An Annual Fee
Most of the Time, You Can Convert a Card With an Annual Fee to Another That’s Doesn’t Have One. But You Can NOT Convert a Credit Card to a Charge Card, and Vice Versa

But Josh can NOT convert his AMEX Premier Rewards Gold to the AMEX EveryDay card.  That’s because the former is a charge card. 

AMEX won’t let you switch from a credit card to a charge card, or vice versa. 

Find out which AMEX cards are charge cards and which are credit cards.

Josh might decide to cancel his AMEX Premier Rewards Gold card, but in the future, remember you can usually convert a card to another 1 with no annual fee – and that goes for most banks, not just AMEX!

Bottom Line

Folks with the AMEX EveryDay card can transfer their AMEX Membership Rewards points to partner airline and hotel loyalty programs, even though the card has NO annual fee.  So it’s a great card to open and keep forever!

I love transferable points because of the flexibility that comes with them!  Be sure to read how to use AMEX Membership Rewards points to visit Europe.  And how to use them for flights on United Airlines, too!

Reader Josh is considering canceling his AMEX Premier Rewards Gold card.  I always recommend you keep a card for at least ~10 months before you cancel so you can fully evaluate the perks of the card.

And before you cancel, consider converting it to a no annual fee card instead.  Just remember you can’t convert a credit card to a charge card (or the other way around).

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

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Any update on if the Everyday card can really still transfer to airline partners?

On the amex page at them moment it says

“Membership Rewards® Program‡

Receive points redeemable towards tickets, merchandise, and more.‡”

from https://www.americanexpress.com/us/credit-cards/amex-everyday?linknav=us-ccsg-cardshop-cm-viewallcards-learnmore

But the amex everyday PREFERRED card (with $95 annual fee) says

“Membership Rewards® Program‡

Membership Rewards® program – use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to our selection of frequent traveler programs. ‡”

which implies to me that the $0 annual fee card can not transfer miles.

Thanks for any update

I need to amend my last comment…

Something happened the night I closed the Gold card and the option to transfer to partners from my Everyday card was no longer available. Two days later, the option to transfer reappeared! Looks like the original post is correct. I apologize for the confusion!

I realize this post is from last year, but I wanted to let you know that it appears as though this information is no longer accurate before someone else makes the same mistake that I did. I had a Gold card and an Everyday card, and both cards pooled into one Membership Rewards account. I just cancelled the Gold card because I really do not use it. My Membership Rewards are still there but the option to transfer them to partners is gone. They can now only be used for booking Amex Travel, gift cards, etc.

If I had known this was the case I would have never cancelled my Gold card.

Hi, Can I ask a question

Let’s say, I have 2 companies both received amex offer for 75K (Same Amex golden cards).

So I apply them both at the same time (Use my SSN + 2 Eins)

Will I get bonus from both cards? or only 1? (Sure, After the required spending)

Thank you