topic Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c in Credit Cards

Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business cards

galahad15 — Thu, 14 Aug 2025 17:01:10 GMT

Which AMEX cards earn Membership Rewards points? Also, are there any with no AF that are not business cards? (I do not own a business and therefore do not qualify for the Blue Business Plus card?)

Additionally: can anyone please explain how the AMEX Membership Rewards points cards operate exactly, for instance can they be redeemed for cashback or for statement credits? Thanks!

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

unsungivy — Thu, 14 Aug 2025 17:07:53 GMT

@galahad15 wrote:
Which AMEX cards earn Membership Rewards points? Also, are there any with no AF that are not business cards? (I do not own a business and therefore do not qualify for the Blue Business Plus card?)

Additionally: can anyone please explain how the AMEX Membership Rewards points cards operate exactly, for instance can they be redeemed for cashback or for statement credits? Thanks!

Not currently any available for application. They removed the AmEx EveryDay card (in my sock drawer in my sig) from apps last Fall, although there is an assumption that they will bring back a refresh or another alternative.

And no, you can't redeem MRs for cashback or statement credits unless you have specific brokerage affiliated charge cards you get outside of AmEx themselves.

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

FlaDude — Thu, 14 Aug 2025 18:33:20 GMT

@unsungivy wrote:
And no, you can't redeem MRs for cashback or statement credits unless you have specific brokerage affiliated charge cards you get outside of AmEx themselves.

I just checked my account and it does allow using points for statement credits, but at 10,000 points = $60 the redemption rate is horrible. In any case with most cards where points to be used as credits, it's not the best way to use those points.

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

Ushio — Thu, 14 Aug 2025 19:36:54 GMT

@FlaDude wrote:
@unsungivy wrote:
And no, you can't redeem MRs for cashback or statement credits unless you have specific brokerage affiliated charge cards you get outside of AmEx themselves.
I just checked my account and it does allow using points for statement credits, but at 10,000 points = $60 the redemption rate is horrible. In any case with most cards where points to be used as credits, it's not the best way to use those points.

Worth noting the point redemption rate increases to 10,000 = $80.00 if you redeem to a personal AmEx checking account.

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

FicoMike0 — Thu, 14 Aug 2025 22:03:11 GMT

The Amex Rewards Checking account pays a few points.

https://www.americanexpress.com/en-us/banking/checking-account/

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

dfwxjer — Thu, 14 Aug 2025 22:22:59 GMT

Yes you technically can exchange them for statement credit but it's one of the worst redemption options by far.

MR points should be redeemed for 2cpp minimum and their statement credit is .6 cpp for normal Platinum, .8cpp if you have an Amex checking, and 1.25cpp for the Schwab Platinum.

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

KatzNDawgs — Fri, 15 Aug 2025 01:02:30 GMT

@FicoMike0 wrote:
The Amex Rewards Checking account pays a few points.
https://www.americanexpress.com/en-us/banking/checking-account/

Yup, 1 MR for every $2 spent with debit card. Better than nothing?

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

FicoMike0 — Fri, 15 Aug 2025 02:29:31 GMT

I don't know, I seldom use it. I opened the account for a $250 bribe.

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

unsungivy — Sat, 16 Aug 2025 13:33:39 GMT

@KatzNDawgs wrote:
@FicoMike0 wrote:
The Amex Rewards Checking account pays a few points.
https://www.americanexpress.com/en-us/banking/checking-account/

Yup, 1 MR for every $2 spent with debit card. Better than nothing?

Except that you should just get a 1% debit card at that point 🤦‍♀️

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

unsungivy — Sat, 16 Aug 2025 13:34:51 GMT

@FicoMike0 wrote:
The Amex Rewards Checking account pays a few points.
https://www.americanexpress.com/en-us/banking/checking-account/

This seems like a good, free way to keep your MR account open!

Re: Which AMEX cards earn Membership Rewards points-are there any with no AF that are not business c

unsungivy — Sat, 16 Aug 2025 13:35:44 GMT

@dfwxjer wrote:
Yes you technically can exchange them for statement credit but it's one of the worst redemption options by far.

MR points should be redeemed for 2cpp minimum and their statement credit is .6 cpp for normal Platinum, .8cpp if you have an Amex checking, and 1.25cpp for the Schwab Platinum.

The Schwab Plat is the one I was thinking of but couldn't be bothered to look up.