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Explore how to earn and redeem Membership Rewards® points.
Earn 1 Membership Rewards® point for every $2 you spend on an eligible Business Debit Card purchase.
Earn points with select Business Cards, too.
There are many ways to make the most of Membership Rewards® points with your Business Checking account.
There is no minimum number of points needed to use Redeem for Deposits.
Redeem points now
Turn Membership Rewards® points into deposits directly into an American Express® Business Checking account. Business Platinum Card® Members can convert 10,000 points into $100 - for the first 1 million points per calendar year.
To be eligible for the elevated Redeem for Deposits rate, your Business Checking account and Business Platinum Card must be linked to the same Rewards Account.
With your Business Checking account, you can transfer points to select participating travel partner programs.
If you already have a Membership Rewards-enrolled Card, you can continue to use points the same way you always have – for travel, gift cards, and more.
Transfer points nowWith American Express® Business Checking, you can earn 1 Membership Rewards® point for every $2 of eligible Business Debit Card purchases. Plus, there's no limit on how many points you can earn, and points can be converted into deposits made directly into your Business Checking account.
If you already have a Membership Rewards-enrolled Card linked to the same Rewards Account, all points earned from your linked Card(s) and your Business Debit Card will be consolidated into a single point balance in your Rewards Account, which can be redeemed for deposits or for any other eligible redemption options available on your linked Card(s). If your Business Checking account is not linked to the same Rewards Account, as a Membership Rewards-enrolled Card, points earned from your Business Checking account and Business Debit Card can be converted into deposits or transferred to participating partner loyalty programs. You can review the Membership Rewards® Program Terms and Conditions here.
‘Redeem for Deposits’ allows you to convert Membership Rewards points into deposits made directly into your American Express® Business Checking account. When you use ‘Redeem for Deposits’, American Express will deduct the number of points selected from your Membership Rewards Account and deposit a corresponding dollar amount into your eligible Business Checking account. Generally, deposits will post within 48 hours of each redemption.
Accounts offered by American Express National Bank. Member FDIC.
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