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Maximize Monday: Transferring Hotel Points to Airline Miles
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July 8, 2013 • 22 min read
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Quick summary
Converting hotel points to airline miles generally offers poor value due to unfavorable transfer ratios and complex processes.
Most major hotel loyalty programs provide better value when points are redeemed for hotel stays rather than airline miles.
Some programs, like Marriott, offer special packages that combine hotel nights with airline miles, potentially improving value.
Transferring points may be worthwhile only for small, unused balances or when you have no plans to use the points for hotel stays.
What to consider
Transfer ratios vary widely by hotel chain and airline partner, often resulting in a significant loss of value.
Processing times for point-to-mile conversions can be lengthy, and some programs have minimum transfer requirements or exceptions for certain airlines.
Certain redemption options, such as discounted award nights or combined hotel and airline packages, may offer better returns than straightforward point transfers.
What you'll miss from the article
A detailed, chain-by-chain breakdown of transfer ratios, redemption examples and scenarios illustrating the best uses of hotel points versus airline miles.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
A lot of readers sent in questions regarding Club Carlson's recent unannounced devaluation of its option to convert Gold Points into airline miles with its various partners, so for today's Maximize Monday post, I thought I'd outline the conversion rates of hotel points to airline miles for the major chains as well as some better redemption options for your points.
Although it might be tempting to transfer points to miles, it's rarely a good value.
In general, converting hotel points to airline miles is not a great value proposition since the transfer ratios are usually abysmal. While it's true that you usually earn multiple points per dollar with hotel chains so you can rack up points quickly - sometimes quicker than airline miles - you lose a ton of that value when the conversion ratio is, say 10 points to 1 miles. Not only that, but the process of converting points to miles tends to be byzantine, with different conversion rates with different partners, and sometimes long processing times that can leave your miles in limbo for weeks.
When all is said and done, you can almost always get more value from your hotel points by using them for hotel redemptions of various kinds (depending on the chain, which I'll outline below with examples for each one) instead of miles. I'd only really suggest doing this if you've got a few thousand orphaned hotel points and don't know what to do with them or know for sure that you will not stay at the chain where you can use them. Otherwise, it might be a good idea to get a credit card that earns points that you can transfer into your hotel accounts to top them up for specific awards. After all, Chase Ultimate Rewards (which you earn on cards like the Chase Sapphire Preferred Card, Ink Bold and Ink Plus) now transfer to Hyatt, Marriott, Ritz-Carlton and Priority Club/IHG; and American Express Membership Rewards (which you earn on cards like the American Express® Gold Card, Business Gold, Platinum and The Business Platinum Card® from American Express) transfer to Hilton, Best Western and Choice Privileges. So there are lots of options for your points.
In the meantime, to learn more about converting points to miles and what other options you have, take a look at my breakdown by chain including normal points-earning rates, conversion rates and redemption examples.
Before I get started chain by chain, you'll see I included a spending scenario in each where you could see what you could get by spending $5,000 with each chain. For a quick comparison, here's a look at how many miles you'll end up with at that spend amount just at base level earning (ie no elite status or credit card spending bonuses).
Club Carlson: 10,000 miles Hilton: 6,375-11,250 airline miles Hyatt: 6,000-10,000 miles Marriott: 5,000-15,000 miles Priority Club/IHG: 7,500-10,000 (but in most cases 10,000) Starwood: 5,000-15,000 miles (but in most cases 10,000)
And here is a chain by chain comparison of how many miles your points get you and how you can spend them better!
Club Carlson
As I mentioned above, Club Carlson devalued the transfer ratio of its points to airline miles (one way of redeeming them) from a ratio of between 5-8 to 1, to 10:1. The former transfer ratios were: 2,000 points : 250 miles 50,000 points : 8,000 miles 100,000 points : 18,000 miles The new transfer ratios are a flat-out 10 to 1: From a ratio of 5.6 to 1 to a ratio of 10 to 1 is a pretty huge shift and I'm disappointed in Club Carlson for not giving members any advance notice on this, but it just goes to show that nothing is sure in the world of points and miles and if you see a redemption that's a good value for you, you should take it - including the half-off awards that I highlight below.
Base earning rate: Club Carlson members earn 20 Gold Points per dollar spent on hotel nights and meals and beverages charged to your room. In addition, if you have any of the Club Carlson credit cards from US Bank, like the Club Carlson Premier Visa that I carry, you earn an additional 10 points per dollar at Carlson bringing the total to 30 points per $1. If you are a Silver elite, you get a 25% bonus on earned points (so 25 points per $1); if you are Gold you get a 50% bonus on earned points (so 30 points per $1); and if you are Concierge level, you get a 75% bonus (so 35 points per $1).
Club Carlson allows you to transfer points to the following airlines:
Airline Partners:
Aeromexico
Aeroplan/Air Canada
Air Berlin
Air China
Air France/KLM
American Airlines
Asiana
British Airways
Cathay Pacific
Czech Airlines
Delta
Emirates
Etihad
Frontier
Gulf
Germanwings
Icelandair
JAL
Jet Airways
LAN
Lufthansa
SAS Airlines
Southwest
United
US Airways
Transfer ratios: 10 points to 1 mile. You can transfer in increments of 2,000 points.
Spending scenario: So let's say you were a regular Club Carlson member and spent $5,000 at Carlson properties. That would give you 100,000 points at the earning ratio of 20 points per dollar. That's enough for two nights at a top-tier Category 7 property like the Radisson Blu Champs Elysees in Paris where room rates regularly run over 300 EUR per night - this night is 310 EUR ($398).
So those 100,000 points you've earned are worth nearly $800.
By contrast, if you were to convert those points into miles, you'd end up with only 10,000 miles - not even enough for a one-way domestic economy award ticket! Granted, that is enough for a short-haul roundtrip economy British Airways award (which would be 9,000 Avios) and you can redeem those for expensive flights like on the New York-Montreal route, or intra-European routes, but you'd be hard-pressed to squeeze $800 in value out of that.
Not only that, but if you have a Club Carlson credit card, one of the best perks about it is that you get the last night of award stays of 2 or more nights for free - so you can get half-price stays on two-night awards. So for that same two-night award at the Radisson Blu Champs Elysees, you'd only need to spend $1,667 at Carlson to earn 50,000 points (since you earn 30 per dollar with the card), and then you'd redeem 50,000 points for one night and get the second free - a much better return on your spending.
Hilton
Hilton just carried out a major devaluation of its Honors loyalty program with new elements like seasonal pricing and 5th night free awards for elites that require a lot more points for certain redemptions, though the transfer ratios to airlines remained the same.
Base earning rate at hotels: Regular Honors members earn 10 Honors base points plus 5 bonus points per dollar spent on the room with Hilton's Points + Points double dip earning option. For stays at Home2 Suites by Hilton hotels, it is 5 Honors base points plus 2.5 bonus points per spent on your room.
If you carry one of the Hilton Honors co-branded credit cards from Citi or Amex, though, you earn even more bonus points per dollar. With Amex, the Hilton Honors Surpass Card from American Express earns 12 Honors points per dollar and the Hilton Honors Card from American Express earns 7 points per dollar. The Citi Hilton HHonors Reserve card earns 10 points per dollar, and the Citi Hilton HHonors Visa Signature Card earns 6 points per dollar.
If you're a Hilton Honors Silver elite, you earn a 15% bonus on base points (so 16.5 points per $1); as a Gold member you earn a 25% bonus on base points (so 17.5 points per $1); and as a Platinum elite you earn a 50% bonus on base points (so 20 points per $1).
The Honors program allows you to transfer points to the following airline partners.
Airline partners:
Aeroflot Russian Airlines
Aeromexico
Aeroplan (Air Canada)
Air Berlin
Air China
Air New Zealand
Alaska Airlines
All Nippon Airways
American Airlines
Amtrak
British Airways
Cathay Pacific Airways
China Southern
CSA Czech Airlines
Delta Air Lines
Etihad
Frontier Airlines
Gulf Air
Hawaiian Airlines
Icelandair
Japan Airlines
Jet Airways
JetBlue
LAN (kms)
Kingfisher Airlines
KLM/Air France (Flying Blue)
Malaysia Airlines
Mexicana Airlines (kms)
Miles & More (Lufthansa, Swiss, Austrian Airlines, Brussels Airlines)
Olympic Air
Qantas Airways
Qatar Airways
Saudi Arabian Airlines
Singapore Airlines
South African Airways
TACA
THAI Airways International
United Airlines
US Airways
Virgin America
Virgin Atlantic Airways
Transfer ratios: The transfer ratios vary by airline partner. Here's the breakdown.
With most airlines, the ratio is 10 points to 1-1.5 miles.
For every 10 Honors points transferred you will get 1.5 miles with: Aeroflot, American Airlines, Frontier Airlines, Gulf Air, Hawaiian Airlines, Mexicana Airlines, Qantas Airways, South African Airways, and Virgin Atlantic Airways.
For US Airways, the transfer ratio is 10,000 points for 850 miles.
For Aeromexico and LAN, it's 25,000 points for 6,500 KMS.
For Air New Zealand, the transfer ratio is 10,000 points to 20 Airpoints.
For all other transfer partners, the transfer ratio is 10:1.
Spending scenario: Let's say you spent $5,000 with Hilton at one of their higher-brand hotels and that you have Points + Points selected as your earning option. That would mean you're earning 15 points per $1, so you'd end up with 75,000 Honors points.
Those points would convert to anywhere between 6,375-11,250 airline miles - almost enough for a one-way domestic economy award, but still not getting you very far.
However, even with Hilton's recent devaluation, those 75,000 points would be enough for one night in a top-tier Category 9 or 10 hotel (depending seasonally) or two nights in a Category 4-7 hotel, depending seasonally.
So for example, you could get one free night at the Waldorf Astoria this summer, where room rates are seasonally priced at 70,000 points, and starting around the $400 mark, like this one:
Or let's say you were going to Italy over Labor Day and thinking about Sicily. Hilton's Excelsior hotel in Palermo is a Category 5 property whose rates fluctuate from 30,000-40,000 seasonally, and over the month break from August to September is one of those fluctuations. So if you booked that weekend from August 31-September 2, you could get two nights for a total of 70,000 points.
Those same nights would cost you 150 EUR each, or a total of nearly $400. There are plenty of ways to get great values from Hilton's points program, but converting points to miles isn't one of them.
Hyatt
I think Hyatt points are one of the most valuable hotel currencies out there because you only need 22,000 points to stay at top-tier properties like my favorite, the Park Hyatt Paris Vendome, and the Park Hyatt Sydney, where I plan to stay later this year.
Base earning rate at hotels: Gold Passport members earn 5 Hyatt points for every dollar spent at a Hyatt hotel room, spa or restaurant. Platinum members can earn a 15% point bonus and Diamond members a 30% bonus. If you carry the Hyatt credit card, you earn an additional 3 points per $1 bringing your potential total to 8 points per dollar.
Most Hyatt airline transfers are at a rate of 2.5:1.
Airline Partners:
Aeromexico
Air China
Air France/KLM
ANA
American
Asia Miles
Asiana
British Airways
China Airlines
China Eastern
Delta
Emirates
Etihad
Hawaiian
JAL
Jet Airways
LAN
Lufthansa
Qantas
Royal Brunei
Singapore Airlines
South African Airways
Southwest
Thai
United
Virgin Atlantic
Transfer ratios: 2.5 points to 1 miles, starting with a minimum of 5,000 Hyatt Gold Passport points. Earn 5,000 bonus miles when you convert 50,000 Hyatt Gold Passport points. So, if you convert 50,000 points you will receive 20,000 miles and earn 5,000 bonus miles, with a total of 25,000. There are exceptions to this rate. If you transfer 5,000 Hyatt Gold Passport points you will receive:
4,000 Aeromexico/LAN Airlines S.A. kilometers
3,200 Air China kilometers
3,200 China Eastern Airlines points
2,400 Qantas Airways points
2,400 Southwest Airlines points
3,000 Virgin Atlantic Airways miles
Spending scenario: A general Gold Passport points member would earn 5 points per $1, so if they spent $5,000 at Hyatt hotels, they'd end up with 25,000 points. If you had the Hyatt card, that would be 40,000 points because you earn an additional 3 points per dollar. 25,000 points is 3,000 more than you need for an award night at a top-tier Category 6 hotel such as the Ararat Hyatt Park Moscow where room rates in July are going for 20,000 RUB ($600) per night in July. That's a value of about 2.7 cents per point.
Those same 25,000 points, however, would only get you 10,000 airline miles with most of Hyatt's partners - or anywhere from 6,000-8,000 miles with the seven exceptions. Let's say you accrued enough points to convert into 25,000 miles for a roundtrip domestic economy award ticket - that would take 50,000 points with Hyatt's transfer bonus. In order for those points to have the same value in terms of miles as that hotel redemption, the ticket you redeemed for would have to cost over $1,350. Clearly there are better ways to spend your points than on airline miles in this instance.
Marriott
Marriott has over 3,500 properties all over the world, and you can use your points at Ritz-Carlton as well, so a points-to-miles conversion shouldn't be part of your strategy unless you have an Air + Hotel redemption in mind, which I'll discuss below.
Like other hotel chains, Marriott allows you to convert your points to miles with several airline partners.
Base earning rate of points: Marriott Rewards members earn 10 points per dollar spent at most Marriott properties. If you have the Marriott Rewards credit card, you earn 3 more points per $1 at Marriott properties; and if you have the Marriott Rewards Premier Visa, you earn a bonus 5 points per $1 at Marriott properties.
Marriott Rewards Silver members earn a 20% bonus on base points (so 12 points per $1); Marriott Gold members earn a 25% bonus on base points (so 12.5 points per $1); and Marriott Platinum elites earn a 50% bonus on base points.
Airline Partners:
Aeroflot
Aeromexico
Air Berlin
Air Canada
Air China
Air France/KLM
Alaska Airlines
Alitalia
American Airlines
ANA
Asiana Airlines
Avianca-TACA
British Airways
Cathay Pacific
China Eastern Airlines
Delta
Emirates
Frontier
GOL/Varig
Hawaiian Airlines
Iberia
Japan Airlines
JetBlue
LAN
Lufthansa
Qantas
Qatar
Saudia Airlines
Singapore Airlines
Southwest
TAP Portugal Victoria
US Airways
United
Virgin America
Virgin Atlantic
Transfer ratios: This varies by airline and is rather complicated - in fact, this program is the most convoluted of all of them - but here's a simple breakdown.
For the following airlines, the transfer ratio varies from 5:1 to 2.8:1 depending on how many points you transfer from 10,000 (to 2,000 miles) up to 140,000 points (converted to 50,000 miles): Aeromexico, Aeroplan (Air Canada), Alaska, American Airlines, British Airways, Delta Air Lines, Frontier Airlines, GOL/Varig, Hawaiian Airlines, Iberia Airlines, Southwest, United Airlines, US Airways, Virgin Atlantic. Transfer ratios work as follows for these:
For the following airlines the transfer ratio is 10:1.5to 4:1 depending on how many points you transfer from 10,000 (to 1,500 miles) up to 140,000 points (converted to 35,000 miles): Aeroflot, Air Berlin, Air China, Air France/KLM, Alitalia, ANA, Asiana Airlines, Avianca-TACA, Cathay Pacific, China Eastern, China Southern, Emirates, Japan Airlines, Jet Airways, LAN, Lufthansa Miles & More, Qantas, Qatar Airways, Saudia Airlines, Singapore Airlines, TAP Air Portugal. Transfer ratios work as follows for these:
For JetBlue and Virgin America, the transfer ratio ranges from 10:1 to 5.6:1 as follows:
Spending scenario: With Marriott, if you were to spend $5,000, you'd end up with 50,000 points. Those could be transferred to its various partners at the rates mentioned above, but for a quick comparison, that would be 15,000 American/BA/Delta/Southwest/United/US Airways miles; 10,500 miles with Air France/Cathay/ANA/LAN etc.; or 5,000 points with JetBlue or Virgin.
A far better way to convert hotel points to airline miles that yields a 1:1 conversion ratio in many instances is taking advantage of Marriott's Air + Hotel Package redemption option, which allows you to redeem Marriott Points in exchange for a 7-night stay and a specified amount of airline miles transferred to your frequent flyer account, as well as a 25% Hertz rental discount. Conversion ratios with Air + Hotel packages vary by airline the same way straight-up point to mile conversions do, but to take an example below, they include miles transferred to most of the legacy airlines including American, Delta, United, Alaska Airlines, and US Airways.
Marriott's Hotel + Air Package Rates.
The packages are:
-7 nights at a Category 1-5 and 50,000 airline miles: 200,000 Marriott Points
-7 nights at a Category 6 and 50,000 airline miles: 230,000 Marriott Points
-7 nights at a Category 7 and 50,000 airline miles: 260,000 Marriott Points
-7 nights at a Category 8 and 50,000 airline miles: 290,000 Marriott Points
-7 nights at a Category 9 and 50,000 airline miles: 320,000 Marriott Points
Marriott's JW Marriott Camelback Inn.
For example, the JW Marriott Camelback Inn in Scottsdale is a category 7 requiring 35,000 Marriott points a night. Normally it would be 210,000 points for a 7-night stay (since you can redeem 4 nights and get the 5th night free so you’d only be redeeming points for 6 nights). With these packages, however, you redeem 260,000 points and the extra 50,000 Marriott points gets you 50,000 airline miles—enough for two roundtrip domestic coach saver awards tickets with many frequent flyer programs - and giving you a 1:1 ratio on those points you have converted to miles.
To look at it another way, 260,000 Marriott points converted to the main US legacy carriers would get you just 90,000 airline miles. So by spending the same amount of point with an Air + Hotel package, you'll end up with 40,000 fewer miles, but a seven-night hotel stay.
Air + Hotel packages aren't the highest-value redemptions you can use points for, but they do give you a solid return on your spending and get you the miles you need at a far better rate.
Priority Club/IHG Rewards Club
Base earning rates: Regular IHG Rewards Club members earn 10 points per $1, while Gold elites earn a 10% bonus and Platinum elites earn a 50% bonus on points. If you carry the Priority Club Visa, you earn another 5 bonus points per $1 you spent at IHG hotels using the card. IHG Gold members earn a 10% points bonus on hotel spending, and Platinum elites earn a 50% bonus on hotel spending.
You can transfer your points to American, British Airways and Delta among others.
You can redeem IHG points for airline miles with the following partners:
Aeromexico
Air China
Air France
Air New Zealand (10,000 points = 25 AirPoints)
Air Berlin
Alaska Airlines
Alitalia
ANA
American Airlines
Asia Miles
Asiana
British Airways
China Eastern
China Southern
Delta El Al
Emirates
Etihad
Gulf Air
Hainan Airlines
JAL
Jet Airways
KLM
LAN
Lufthansa
Malaysia Airlines (10,000 points = 1,500 miles)
Qantas
Saudia
Singapore Airlines
South African Airways
TAP
Thai Airways
United
US Airways
Virgin Atlantic
Virgin Australia
Transfer ratios: In all cases except those specified above, the transfer ratio is 10,000 points to 2,000 miles, or 5:1.
Spending scenario: Just as a base-level Priority Club/IHG member, you earn 10 points per $1, so if you were to spend $5,000, you'd end up with 50,000 points - enough to convert to just 10,000 airline miles with most partners, and even less with some like Malaysia Airlines. But for those same 50,000 points, you could get an award night at a top-tier Category 9 hotel like the Intercontinental Le Moana Bora Bora, like this night in September that's going for about 45,000 Tahitian francs, or $485 USD.
Not only that, but those same 50,000 points are enough for 10 deeply discounted PointBreaks awards, which only cost 5,000 points a night. Granted, PointBreaks tend to be at random, far-flung properties that change every 2 months with just a few Intercontinentals and Crowne Plazas thrown in, but the current list has some interesting options including the Intercontinental Phnom Penh in Cambodia where I stayed last year using PointBreaks in a room that would have cost me $180 otherwise. By that reckoning, my 50,000 points would be worth $1,800 - I'd take that over 10,000 airline miles any day!
Starwood
This is probably everyone's favorite program for converting points into miles since you get a 1:1 ratio with most partners, but let's look at how much value you really get.
Base earning: Regular SPG members earn 2 Starpoints per $1 at Starwood properties including restaurant, room service charges and in-room movies. Elites earn 1-2 more points per $1 depending on their status level. If you have the Starwood Preferred Guest® Credit Card from American Express, you earn an additional 2 points per $1.
Starwood Preferred Guest program has partnerships with the 31 following airlines:
Airline Partners:
Areoplan/Air Canada
Air China
Air France/KLM
Air New Zealand
Alaska Airlines
Alitalia
ANA
American Airlines
Asia Airlines
British Airways
China Eastern Airlines
China Southern Airlines
Delta
Emirates
Etihad
Hawaiian Airlines
Japan Airlines
LAN
Lufthansa
Qatar
Saudi Arabian Airlines
Singapore Airlines
Thai Airways
US Airways
United
Virgin Atlantic
Transfer ratios: 1:1
On most partner airlines, for every 1 Starpoint transferred you will get 1 mile. For every 20,000 Starpoints transferred within the same transaction, Starwood will automatically add another 5,000 Starpoints. Up to 94,999 Starpoints can be transferred into your frequent flyer account at one time with most airlines. For LAN, the transfer ratio is 1:1.5. For United, the transfer ratio is 2:1, and for Air New Zealand the transfer ratio is 65:1.
Spending scenario: When you spend $5,000 at Starwood, you end up with 10,000 points just as a base-level earner. There's no mathematical magic here since you don't qualify for any bonuses and will end up with 10,000 miles with most partners.
Despite Starwood having recently raised both the points and cash co-pays of Cash & Points awards, these still tend to be the most valuable redemptions in terms of value per point. Now, if you had 10,000 Starpoints sitting around, that's enough for a Category 6 Cash & Points redemption, which costs 10,000 points + $180.
I've been wanting to visit the Hotel de Marques de Riscal, a Luxury Collection Starwood property in Spain's Rioja wine region that was designed by Frank Gehry, which is a Category 6 hotel.
Room rates there are usually well over $400 - as you can see below.
But since Cash & Points is available, I'd end up spending $180 and getting a value of about 2.5 cents each for those points I use.
To get a similar value from points I converted to airline miles, let's say I converted 20,000 points to 25,000 miles thanks to Starwood's bonus. At 2.5 cents per point, that ticket would have to be worth $500 for its value to break even with the Cash & Points redemption here.
Granted, I picked scenarios where you are sure to get more bang for your buck from your points than with converting them to airline miles - but the simple fact is, hotel points are more valuable as hotel points than they are being converted. It's sort of like exchanging currency in another country, you know you're not getting the best rate and you're paying some sort of commission on top of it that cuts the value of your dollar even more, so why even bother?
That said, if you do have orphan points that you know you're not going to use, then you can consider converting them to airline miles and topping up your frequent flyer account for a redemption that way. After all, the best value you can get from your points isn't necessarily how many cents per point you can squeeze out, but that you are able to use them to travel where you want to go.
[card card-name='Citi® Hilton HHonors<sup>TM</sup> Reserve Card' card-id='22146296' type='javascript' bullet-id='1']
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Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
