YOUR GUIDE TO USING
AMEX POINTS
Available on MR enrolled cards. See Pay Balance with Points program terms on this website for full details. Images shown are for illustration purposes only and subject to change.
† Date format is Day/Month/Year.
*Points will be deducted immediately and a statement credit can take up to 48 hours to be posted to your Card Account.
Account must be in good standing. American Express Cardmembers with an Eligible Card enrolled in the Membership Rewards Program are eligible to redeem with Pay balance with Points in accordance with these Terms and Conditions. For the purposes of these Terms and Conditions, an Eligible Card includes The American Express® Card, The American Express Cobalt™ Card, The American Express® Gold Rewards Card, The American Express® Platinum Card, Centurion® Card from American Express®, The American Express® Business Gold Rewards Card, The Business Platinum Card® from American Express® and The American Express® Corporate Card for Small Business and The American Express Business Edge™ Card
You can access Pay balance with Points on the webpage by logging on to American Express Manage Your Account page and clicking on Pay balance with Points or in the Amex mobile app under the Redemption Hub within the Membership Tab.
If you are redeeming on the Pay balance with Points webpage or in the Amex mobile app, you must redeem a minimum of 1,000 Points per redemption (1000 points = $10 statement credit), Special redemption offers may be available from time to time.
Subject to these Terms and Conditions, Points will be deducted from your Points Account and a statement credit will be applied to your Card Account that corresponds to the amount of Points redeemed. Points will be deducted immediately and a statement credit can take up to 48 hours to be posted to your Card Account . Depending on when you redeem Points, the statement credit can take up to two billing cycles to appear on your billing statement.
You are responsible for payment of the amount due on your Card Account by the payment due date. A statement credit applied to your Card Account as a result of a redemption with Pay balance with Points constitute a payment towards the balance of your Card Account. If you redeem Pay balance with Points for the purposes of meeting payment obligations on your account, please ensure you leave enough time for the statement credit/s to be processed.
American Express may reject your redemption request if your Card Account has a credit balance at the time of your request or if the request results in a credit balance on your Card Account.
Redemption of Pay balance with Points cannot be reversed. Statement credits applied to your Card Account resulting from redemptions cannot be exchanged for other rewards, and are not refundable or exchangeable for cash.
American Express can suspend or terminate redemptions with Pay balance with Points at any time it deems necessary, and reserves the right to change these Terms and Conditions at any time.
The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit MembershipRewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for Pay balance with Points.
Click here for full Terms & Conditions of the Membership Rewards program