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How Much Are Amex Points Worth in 2022?

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Amex Membership Rewards are among the most valuable travel rewards you can earn. These points offer a high upside thanks to Amex’s lucrative roster of 17 airline and three hotel transfer partners, as well as a respectable value floor for eligible cardholders who book travel directly through Amex.

These features give Membership Rewards points an average redemption value of 1.8 cents per point in Personal Finance Insider’s most recent valuations. Read on to learn which redemption options you should target and avoid in order to maximize your return. Amex is an Insider partner.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best ways to use Amex points


Regular APR


See Pay Over Time APR


Recommended Credit Score


Good to Excellent


Regular APR


See Pay Over Time APR


Recommended Credit Score


Good to Excellent

Pros
  • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Annual statement credits with Saks and Uber
Cons
  • Bonus categories leave something to be desired
  • One of the highest annual fees among premium travel cards

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More Information
  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6
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