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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 Amex 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


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More Things to Know
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • 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.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
0% on purchases for 15 months
Regular APR
14.74%-25.74% Variable
Annual Fee
Balance Transfer Fee
Recommended Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.