American Express Membership Rewards

The two-minute guide to American Express Membership Rewards

American Express Membership Rewards

When it comes to earning flexible points with no expiry, nothing beats American Express Membership Rewards. 

The American Express Platinum Business, Business Explorer, Business and Gold Business cards all earn Membership Rewards points at varying rates that can then be transferred to a range of airline and hotel loyalty programs. 

On the airlines front, these are Air New Zealand’s Airpoints program, Cathay Pacific’s Asia Miles program, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore Airlines KrisFlyer, Velocity and Virgin Atlantic Flying Club. 

For those looking for hotel stay points redemptions, there is also the option to transfer Membership Rewards points to Hilton Honors and Marriott Bonvoy.

How many Membership Rewards points can you earn with a business credit card?

With the right business credit card, you can earn up to 2.25 Membership Rewards points per dollar spent through on all your business expenses, ATO tax payments, employee superannuation payments and more.

Points are automatically credited to your Membership Rewards account within days of a purchase with your card and can then be transferred to one of the participating partner programs if you choose. 

Which business credit cards earn the most Membership Rewards points?

Business credit cards that can earn Membership Rewards points include the American Express Platinum Business card (2.25 points per dollar on general spend), the American Express Business Explorer Card (2 points per dollar on general spend), the American Express Gold Business Card (1.5 points per dollar on general spend) and the American Express Business Card (1.5 points per dollar on general spend). 

 What is a Membership Rewards point worth? 

It depends on how you want to use them.

However, many members regard Membership Rewards points as highly valuable, especially given their flexibility to be transferred to a wide range of partner programs. 

As an example, you can transfer Membership Rewards points to the Singapore Airlines KrisFlyer points program at a rate of 2:1.

A one-way Business Class flight from Adelaide to London on Singapore Airlines starts from 116,000 KrisFlyer points, while a one-way Business Class seat from Melbourne to Singapore can be secured for just 62,000 KrisFlyer points.

Do Membership Rewards points expire? 


As long as you hold the card, your points will not expire. 

How do you sign up for a Membership Rewards account? 

It’s as simple as signing up for an eligible an American Express business card. 

Your Membership Rewards account will be set up automatically when your account is activated.