How to use Pay with Points


Use Membership Rewards® points for all or part of your flight, prepaid hotel, prepaid car rental, vacation packages (flight and prepaid hotel), or prepaid cruise when you book through American Express Travel®.*

Just follow these easy steps



Step 1

Log in to to access Membership Rewards points and begin by searching for a trip as usual.



Apply Points


Step 2

At checkout, select either "Use Only Points" or "Use Points + Card" then apply points to your booking.




Book Trip


Step 3

Once booked, your Card will be charged the full dollar amount. A corresponding credit for the value of points used will be applied to your account in a separate transaction within 48 hours.


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pay with points and card

See where points can take you

More about American Express Membership Rewards points

When you use Pay with Points, the full dollar amount will be charged to your American Express® Card and a corresponding credit for the value of points used will be applied to your account in a separate transaction within 48 hours.

To use Pay with Points, you must use a Membership Rewards® program enrolled Card for payment. Plan It® cannot be combined with Pay with Points.

If you cancel your booking, you will receive a statement credit on your Card account. To have the Membership Rewards points returned to your account, you can contact us at 1-800-AXP-EARN (297-3276).

Delta Skymiles® cannot be redeemed at

How to earn points

When you use your eligible American Express Card to make purchases, you'll earn Membership Rewards points for every dollar you spend on qualifying purchases.

Why book with American Express Travel?

Whether you’re planning a weekend staycation or the trip of a lifetime, we’re here to help. Explore the benefits of booking with American Express Travel.

Use Pay with Points for your next Hotel Stay

Use Pay with Points for all or part of your prepaid hotel stay when you book through American Express Travel.

Have a question?

Need Assistance? Give us a call. Our travel counselors are here to help. 

Call the number on the back of your Card.

American Express don't live life without it

*Terms & Conditions


Membership Rewards® Pay with Points

To use Pay with Points, you must charge your eligible purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Eligible purchases through American Express Travel exclude non-prepaid car rentals and non-prepaid hotels. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Minimum redemption 5,000 points.


See for the Membership Rewards program terms and conditions.


If a charge for a purchase is included in a Pay Over Time balance on your Linked Account the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card. Corporate Card Members are not eligible for Pay Over Time.


Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit for more information. Participating partners and available rewards are subject to change without notice.


The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to


Seller of Travel

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit


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