Can You Combine AMEX Membership Rewards Points From a Personal and Small Business Card?

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Can You Combine AMEX Membership Rewards Points From a Personal and Small Business Card?

Million Mile SecretsCan You Combine AMEX Membership Rewards Points From a Personal and Small Business Card?Million Mile Secrets Team

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Million Mile Secrets reader, Matt, commented:

If I already have the The Platinum Card® from American Express and get The Blue Business℠ Plus Credit Card from American Express, can I combine AMEX Membership Rewards points I earn from both cards in one account?  What about combining points with my wife’s balance?

Great question, Matt!

When you have multiple cards that earn AMEX Membership Rewards points, all of your rewards will automatically accumulate in one account.  It doesn’t matter if you have 2 cards and one is personal and the other is for your business.

Besides earning points in one account, having the no annual fee The Blue Business℠ Plus Credit Card from American Express will keep all of your AMEX Membership Rewards points active should you decide to cancel a premium card, like the AMEX Platinum Card.

Combine AMEX Points
You Accumulate AMEX Membership Rewards Points in One Account When You Have Multiple Eligible Credit Cards. So It’s Easy to Transfer Points Directly to Travel Partners for Award Travel to Destinations Like India

I’ll share the benefits of having a no annual fee AMEX card.  And the rules for transferring points to a spouse.

Keep Your AMEX Points Without Paying Annual Fees

Link:   Keep Your AMEX Membership Rewards Points Active With No Annual Fees

You must have at least one active card that’s linked to your AMEX Membership Rewards program number or you will lose ALL your points.

The best and cheapest way to keep your points alive and transferable is to have one of these no annual fee cards that earns AMEX Membership Rewards points:

If you qualify for a small business card, opening an AMEX Blue Business Plus card can make a lot of sense.  Because AMEX small business cards do NOT appear on your personal credit report.  This means the card will NOT count toward card limits with Chase, which is great if you plan to apply for their credit cards.

Combine AMEX Points
You Can Get the No Annual Fee AMEX Blue Business Plus Card, Which Will NOT Appear on Your Personal Credit Report! And It Will Keep Your Existing AMEX Membership Rewards Points Active

That said, if you plan to cancel other annual fee AMEX Membership Rewards cards, like the AMEX Platinum, having a no annual fee small business card can be an excellent way to hang onto your points.

Can You Transfer AMEX Membership Rewards Points to a Spouse?

Link:   Can You Share AMEX Membership Rewards With Your Spouse? 

It’s not possible to directly transfer AMEX Membership Rewards to other folks.  But there’s a way around this rule!

You can add your spouse or anyone else as an authorized user on your account.  Then transfer your AMEX Membership Rewards points to their frequent flyer account.

Combine AMEX Points
You Can’t Transfer AMEX Membership Points Directly to a Spouse. But You Can Add Them as an Authorized User and Transfer Points To His or Her Frequent Flyer Account

It’s easy to add an authorized user to your AMEX card online or by calling the number on the back of your card.

Team member Keith’s friend recently transferred AMEX Membership Rewards points to his girlfriend’s Air Canada Aeroplan account.  This gave her enough points to book a round-trip award flight to Munich for Oktoberfest!

Another option is to transfer AMEX Membership Rewards points to your frequent flyer account.  Then, book an award flight for your spouse or someone else.

Bottom Line

Folks earning AMEX Membership Rewards points with more than one credit card will automatically accumulate points in one account.  This makes it easy to transfer points directly to your loyalty accounts.

Having a no annual fee card that earns AMEX Membership Rewards points, like the AMEX Blue Business Plus is a terrific way to keep your points alive.  Because you must have at least one active card that earns AMEX Membership Rewards points or you will lose ALL your points.

And remember, AMEX small business cards do NOT appear on your personal credit report.  So you can keep your points active with a no annual fee card that that does NOT count against you for Chase’s card limits.

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The Platinum Card® from American Express

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

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A. Westfall-Fennessy

I am a new member of the Platinum card!

Can you combine an American Express business card (gold) and the Starwood credit card points?

Million Mile Secrets

You can’t combine points, but you can transfer AMEX Membership Rewards points directly to Starwood. Unfortunately, the transfer ratio isn’t that great. You’ll get 1 Starwood point for every 3 AMEX Membership Rewards points you transfer. Here’s a post with more details:

https://millionmilesecrets.com/2017/01/09/amex-transfer-partners/

Oddly enough, I have two separate AMEX Membership Rewards accounts. I have two business cards that earn Membership Reward points and one person card that earns Membership Reward points, and they earn points into different accounts. Both the business cards earn into the same account that is different from the personal one. I online chatted with AMEX who said thats normal and I can easily transfer the points between the two, i just need to call it for it.

Is there something you suggest to make this whole thing simpler?

Million Mile Secrets

Interesting! I’d suggest calling the AMEX Membership Rewards department who will be able to combine your rewards accounts. This way you’ll earn points in one account, which makes it easier to transfer to travel partners! Hope this helps!