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I’ve mentioned in several recent posts that you can earn as much as 4x Membership Rewards points on airfare purchases with the Premier Rewards Gold Card from American Express, and on each occasion readers have emailed or left comments asking how it’s done. It’s actually pretty easy, but to make sure you’re all able to take advantage of this lucrative double-dipping bonus, today I’ll make it crystal clear.

There are three factors at play: the first is the 3x points earned by the Premier Rewards Gold Card for flights booked directly with airlines. This bonus has long been one of the card’s more useful perks, and fortunately it was left intact after the recent changes made to other benefits. The second factor is the 2x Membership Rewards points you earn when you make purchases at with an eligible American Express card (including the Amex Everyday Preferred Card, The Platinum Card from American Express, and others).

The third factor is that these two bonuses can actually be combined (to a degree). The PRG card is supposed to earn bonus points for flights booked directly with airlines, but in practice many airfare purchases made through Amex Travel (as well as other online travel agencies) will qualify.

The PRG Card earns 1 base point and two bonus points on airfare, while purchases through Amex Travel earn one base point and one bonus point. You only get the base point once, but you can collect both bonuses. For example, suppose you spent $1,000 on airfare using your Premier Rewards Gold Card via Amex Travel; you would earn the following:

  • 1,000 base points + 2,000 bonus points = 3,000 points for using PRG;
  • 1,000 bonus points for using Amex Travel (you don’t earn the base points a second time).

That’s a total of 4,000 Membership Rewards points, which would be worth $80 according to my most recent monthly valuations. You’re getting an 8% return on your spending, and that doesn’t account for the airline miles and elite credits you earn for flying. This is an easy way to boost your points earnings on airfare purchases. However, you should always shop around for flights, since Amex Travel may not have the best prices.

Also note that the Premier Rewards Gold card will still charge foreign transaction fees until June 1, 2015, so don’t use it to book foreign airfare before then. I recently booked a one-way award ticket from France to JFK using SkyMiles and got hit with fees because the transaction processed in Euros as a purchase from Delta France. Beware!

Premier Rewards Gold Card from American Express

With some great bonus categories and an annual fee that’s waived for the first year, the American Express Premier Rewards Gold Card has a lot going for it. If you don’t have PRG, now’s as good a time as any to add it to your wallet, as Amex added some great new benefits several months back.

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More Things to Know
  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
  • See Rates & Fees
Intro APR on Purchases
Regular APR
Annual Fee
Introductory annual fee of $0 for the first year, then $195.
Balance Transfer Fee
See Terms
Recommended Credit
Excellent Credit
Terms and restrictions apply. See rates & fees.

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