AMEX Membership Rewards Points Are Now Harder to Share — Here’s What You’ll Have to Do
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INSIDER SECRET:INSIDER SECRET: Opening an American Express business card, like The Business Platinum Card® from American Express, won’t add to your Chase 5/24 count.
If you’re a fan of Amex Membership Rewards points you’ll want to be aware of some changes that Amex has just implemented that impact when you earn and can transfer your points. You’ll want to pay attention if you have cards like The Platinum Card® from American Express or Amex Business Platinum.
It has always been harder to transfer Amex points to a partner or family member than it is to transfer Chase Ultimate Rewards points. You aren’t allowed to transfer Amex points directly to another person’s Amex account, but if that individual is an authorized on your account you can transfer Amex Membership Rewards points directly into his/her airline or hotel loyalty account. Having this extra flexibility can be useful if you’re trying to accumulate enough points for a big redemption.
Now if you want to transfer your Amex points into someone else’s frequent flyer account that person must have been an authorized user on your account for at least 90 days. One thing to keep in mind when you are adding someone as an authorized user is if you are adding them to a personal Amex card it will show up on their credit report. That means that it will add to their Chase 5/24 count. If your Chase application is denied because of this, you might be able to call Chase’s reconsideration line and get them to ignore authorized user accounts, but that’s not guaranteed.
I got around this by adding my wife as an authorized user on The Blue Business® Plus Credit Card from American Express. Amex business cards don’t appear on personal credit reports so they don’t increase your Chase 5/24 count.
The other big change is that in order to earn Amex Membership Rewards points for your purchases you’ll need to pay the amount due (at least the minimum payment) by your payment due date. Otherwise you will forfeit the points you would have earned for that billing period. This hopefully won’t impact too many readers, because you want to pay your card balance off in full each month anyway (if you don’t, the interest charges will wipe out any value you would have gotten from the points).
These changes impact cards that earn Amex Membership Rewards points, like:
|Card||Welcome bonus & minimum spending requirements|
|The Business Platinum Card® from American Express||Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.|
|American Express®️ Green Card||Earn 30,000 Amex Membership Rewards® Points after you spend $2,000 on purchases in your first three months of account opening. Terms Apply.|
|The Blue Business® Plus Credit Card from American Express||Earn up to $300 when you make eligible purchases with Dell Technologies, DocuSign and FedEx within the first three months of Card Membership (up to $100 per merchant, in the form of statement credits). This offer will run through November 4, 2020|
|The Platinum Card® from American Express||60,000 Amex Membership Rewards® points after spending $5,000 on purchases within the first three months of opening your account. Terms Apply.|
|American Express® Gold Card||35,000 Amex Membership Rewards® points after spending $4,000 in purchases in the first three months of account opening. Terms Apply.|
|American Express® Business Gold Card||Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first three months of Card Membership. Terms Apply.|
|Amex EveryDay® Preferred Credit Card from American Express||15,000 Amex Membership Rewards® points after spending $1,000 on purchases within the first three months of opening your account. Terms Apply.|
|Amex EveryDay® Credit Card from American Express||10,000 Amex Membership Rewards® points after spending $1,000 on purchases within the first three months of opening your account. Terms Apply.|
To learn more about Amex Membership Rewards points, check out this guides:
- Amex Business Platinum credit card review
- Amex Platinum review
- Best way to use Amex points
- How to use American Express points
- Do American Express points expire?
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