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Where Should I Transfer Points If I’m Closing My Amex Account?

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TPG reader Candace tweeted me to ask about an American Express account she’s closing:

@thepointsguy — “I’m closing my Amex card with 80,000 Membership Rewards points, but they don’t partner with my preferred airline. What should I do with my rewards?”

To pre-emptively transfer your valuable points to a partner airline is risky. What happens if your plans change? Or what if you really need (for example) British Airways Avios, but you’ve already sent your points to Aeroplan?

The best option for your situation is to get the no-annual-fee Everyday Card from American Express. This card will allow you to keep your Membership Rewards account open at no cost. You can keep your points there — they don’t expire — and then transfer them to an airline partner whenever you have the need to travel.

The Everyday card is actually a good card to have anyway, since it’s the only card with no annual fee that earns Membership Rewards, and it offers a few bonus categories. If you currently have a charge card, you might not be able to change it to Amex Everyday (meaning you may have to apply for it as a new account). Either way, that card is a no-brainer in my opinion.

Image courtesy of Shutterstock.

Alternatively, if you have a strong sense of how you plan to redeem those points, you could find a partner for your preferred airline. So if you don’t want to keep any Amex cards open, you could take advantage of some valuable transfer partners:

Those are the airlines that I would probably transfer to if I had to. Good luck!

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

The Amex EveryDay® Credit Card from American Express

Apply Now
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
0% for 12 months 13.24%-23.24% Variable $0 0% Excellent Credit