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Earning and redeeming Membership Rewards® points

With your American Express Card, you automatically earn points on Card purchases1, which we call Membership Rewards points. Just use your Card for the things you buy every day – grocery shopping, petrol, lunchtime snacks – and your points will quickly build up1. You can then redeem these points for a wide range of rewards.

  • 1 point for every £1 spent on Card purchases1
  • 1 additional point for every £1 spent on purchases on your Card at American Express Travel – our online Travel agency1
  • No limit to the number of points you can earn.

Here are just a few of the convenient and flexible ways you can use your points2:

  • Use your points to offset purchases on your statement. From a trip away, to dining out, to new shoes, once an eligible purchase appears on your statement, you can pay for it with your points
  • Shop at over 1,000 online retailers (including British Airways and Sainsbury's) with SafeKey Pay with Points
  • Use points to shop directly at and
  • Use your points to purchase items from a wide selection of big-name brands (including Apple, Sony and Fitbit) in our online catalogue
  • Transfer points to a wide selection of frequent flyer and hotel loyalty programmes
  • Use points on our American Express Travel website with no restrictions on travel dates. You can even use your points to cover travel taxes and fees.

Remember, your points will never expire (as long as your Account is open and in good standing), so they are ready to use when you are.

Boost your points balance

Bills are another great way to maximise your points. Simply pay your bills every month or quarter with your American Express Card. That way you’ll earn more points on all your outgoings. Once again, it’s not a case of spending more. It just makes sense to get rewarded for the things you pay for already.

Image of two people lying down on the beachMore Cards mean more points

The more Cards you give to friends and family, the more points you’ll earn towards fantastic rewards. You can apply for two Supplementary Cards on your Account without paying an additional annual fee3. And your Supplementary Cards will earn you points at the same rate as your Card1. It really is one of the fastest ways to boost the number of points you earn. Remember, additional Cardmembers must also be UK residents aged 18 or over. Please also note, as the main Cardmember, you'll be liable for the spend on any Supplementary Cards added to your Account.

Earn bonus Membership Rewards points by referring your nearest and dearest to apply for an American Express Card4. If they are approved and spend £1,000 in the first three months of Cardmembership, you could earn 5,000 points for each successful referral, up to 90,000 points every year. Every friend you successfully refer will collect bonus points too. Please only share with friends and family who are happy to receive information from us.

Add a Card. Earn more points.

Apply for up to two complimentary Supplementary Cards3 for friends and family members and collect Membership Rewards points faster.

Earn bonus points

Refer your friends to apply for an American Express Card and earn bonus Membership Rewards points if they are approved. You could earn up to 90,000 Membership Rewards points every year just by referring your friends.4

Terms and Conditions

 1. Membership Rewards points are earned for every full £1 spent on purchases and charged per transaction at the following rates: one point for every full £1 spent on purchases and charged per transaction and one additional point for every full £1 spent on purchases and charged per transaction on pre-paid hotels, flights, car hire and experiences at American Express Travel (excludes cruises and The Hotel Collection). Products that are booked on the American Express Travel UK website which are not prepaid, but are paid directly to the supplier, are not eligible to earn the additional Membership Rewards points. When paying by your American Express Card in combination with Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre-paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. For full Membership Rewards Terms and Conditions, please visit  

2. Examples are representative of redeeming Membership Rewards points. Rewards displayed are correct as of 15 August 2017 and are subject to change. All rewards are subject to availability.

3. Subject to application and approval. Supplementary Cards are issued under and subject to the Terms and Conditions of your existing Cardmember Agreement, and as the main Cardmember, you will be responsible for paying all charges on any Supplementary Cards which are added to your Account. Supplementary Cardmembers must be aged 18 or over. As part of the annual fee, main Account holders receive 2 Supplementary Cards for free. Thereafter, a £17.5 charge is applied per Card.

4. You may refer as many friends or family members as you wish but you can only receive a maximum of 90,000 Membership Rewards points per calendar year for those approved for a Card. Applicants must be UK residents aged 18 years old or over. This offer should only be sent to people with whom you have an existing relationship, such as friends or family, and who consent to receiving this type of message. Offers are not available to your friend or family member if they hold or have held a Card in the past six months with the same reward currency as the Card they apply for.

5. Offer Terms and Conditions apply. Please see individual offers for details.

Statement of Lender and Borrower Responsibilities 

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.

Copyright© 2017. American Express Company. All Rights Reserved.