Every part you must learn about Amex Pay with Factors

Editor’s observe: This put up has been up to date with the newest program data.

Typically talking, you’ll get essentially the most worth out of your hard-earned American Specific Membership Rewards factors by transferring them to a associate airline to ebook premium-cabin award flights. Some candy spots, like utilizing Virgin Atlantic’s program to ebook ANA first-class awards, may even assist put you in a $16,000 seat for an inexpensive quantity of factors.

This technique requires two issues: First, it’s a must to examine your totally different switch choices and choose the most effective one to your journey. Second, and most significantly, it’s a must to really discover award house on the dates you’re trying to fly.

Nonetheless, another choice for redeeming your Membership Rewards factors provides you an excellent better quantity of flexibility. Typically, it’s doable to get a greater worth by utilizing the American Specific Pay with Factors function than you’d get by transferring your factors.

As a result of sure Amex playing cards present a rebate on the variety of factors you want for eligible Pay with Factors flight redemptions, having the best playing cards in your pockets can unlock some glorious worth.

Right this moment, we’ll take a deep dive into methods to get the most effective Amex Pay with Factors worth.

Amex Pay with Factors worth

If in case you have any Membership Rewards points-earning playing cards, you may redeem your factors at a hard and fast price of 0.6 cents every to wipe fees off your assertion. Nonetheless, TPG values Membership Rewards factors at 2 cents every, so that you’d be sacrificing quite a lot of worth if you happen to go this route, making this one of many worst doable methods to redeem your Membership Rewards factors.

Reserving by Amex Journey will get you a barely higher worth, as your factors will likely be price 1 cent every towards the price of airfare, or 0.7-0.85 cents every for resorts, automotive leases, cruises and extra. In case your objective is a very free trip, utilizing factors for automotive leases or cruises may help hold your out-of-pocket prices down, however that is nonetheless removed from an excellent redemption possibility.

Nonetheless, you may typically get the very best Amex Pay with Factors worth by flight redemptions. There are three Amex playing cards for small companies that provide engaging rebates of 25%-50% when utilizing Pay with Factors for flights, making this a stable redemption selection. This may be a straightforward approach to lock in a minimal redemption worth of greater than 1 cent per level and can also be a helpful possibility once you want “last-seat availability”, i.e. you must be on a selected flight even when it doesn’t have award house through a frequent flyer program.

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Associated: Amex Enterprise Platinum for flights: When to switch vs. when to pay with factors

Methods to use Amex Pay with Factors

It’s very straightforward to reap the benefits of the American Specific Pay with Factors function to ebook your flight. First, sign up to your Amex account after which seek for flights by the Amex Journey portal as you usually would. At checkout, choose both “Use solely factors” or “Use factors + American Specific card” to use some or your entire factors.

When paying with factors, your card will likely be charged the total greenback quantity. Amex will then, inside 48 hours, add an announcement credit score for the portion of the flight that you simply paid for with factors.

Keep in mind that the rebate supplied by some playing cards isn’t an outright low cost. So, in case you have an eligible card, you should nonetheless have the total quantity of factors in your account on the time of reserving.

Cathay Pacific enterprise class. WALLACE COTTON/THE POINTS GUY

As an example, I’ve redeemed 121,850 factors to cowl the price of a $1,218.50 Cathay Pacific business-class ticket from Male, Maldives (MLE) to Shanghai (PVG). I initially redeemed the factors at a price of 1 cent every, however due to The Enterprise Platinum Card® from American Specific, as soon as I obtained my 35% rebate of 42,647 factors, my efficient redemption worth jumped from 1 cent per level to 1.54 cents. The mathematics is slightly complicated, however if you happen to divide 1 by 0.65 (the p.c I pay after the rebate), you get 1.54.

Not each reserving gives a rebate — until you have got the elusive Enterprise Centurion Card from American Specific. With the opposite two playing cards, first- and business-class flights on any airline rely, however solely economic system flights on a selected airline that you choose every year are additionally eligible for the rebate. There are additionally calendar-year maximums of the variety of rebated factors you may anticipate every year, relying in your card.

Associated: Methods to maximize the Worldwide Airline Program

Playing cards that provide a Pay with Factors bonus

As talked about, there are three Amex playing cards for small companies that provide a rebate once you pay with factors (phrases apply). Listed here are their present welcome gives and different particulars:

The knowledge for the Centurion Enterprise card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Particulars Enterprise Centurion Enterprise Platinum Enterprise Gold
Pay with Factors rebate 50%. 35%. 25%.
Worth of every redeemed level 2 cents. 1.54 cents. 1.33 cents.
Eligible flights All flights. First- and business-class flights, and economic system flights in your chosen airline. First- and business-class flights, and economic system flights in your chosen airline.
Most variety of bonus factors N/A 1 million factors per calendar yr. 250,000 factors per calendar yr.

When to make use of Amex Pay with Factors

There are a couple of totally different explanation why you would possibly need to use the American Specific Pay with Factors possibility. Initially, if you happen to discover a low cost fare sale, paying with factors would possibly really be cheaper than transferring your factors to a associate airline and reserving an award seat.

For instance, check out a one-way United economic system flight between Houston (IAH) and Chicago (ORD). There are many nonstop flights in economic system (not primary economic system) out there on Amex Journey beginning at $90 or 8,960 factors.


The perfect out there itinerary through a switch associate could be to transform American Specific Membership Rewards factors into Avianca LifeMiles and ebook a ten,000-mile (plus $5.60 in taxes and costs) award from there.


In order you may see, by reserving by Amex Pay with Factors, I’d be saving over 1,000 factors this fashion — to not point out getting a extra handy nonstop flight. That’s not even bearing in mind card-based rebates.

Right here’s how a lot you’d pay after the rebate with every of the Amex enterprise playing cards we’ve mentioned:

  • Enterprise Centurion: 4,480 Membership Rewards factors.
  • Enterprise Platinum: 5,824 Membership Rewards factors.
  • Enterprise Gold: 6,720 Membership Rewards factors.

Not solely do you find yourself spending fewer factors on this situation whether or not you have got one of many rebate-eligible playing cards or not, however you find yourself saving wherever from about $20-$110 in worth based mostly on our estimation of Amex factors’ worth by utilizing Pay with Factors as an alternative of transferring.

Associated: Our favourite methods to make use of Amex Membership Rewards factors

If you use your factors by Amex Journey, you’re basically “paying” Amex for the flight, and Amex then turns round and books a income ticket for you. Because of this, in contrast to with a regular award ticket, flights booked with Pay with Factors will earn redeemable miles, elite-qualifying miles and elite-qualifying {dollars}. This may help you lock in your elite standing for subsequent yr.

Take the instance of this round-trip British Airways flight from New York (JFK) to London (LHR) for $2,196 in enterprise class.


That’s not even factoring in any low cost that is perhaps out there by Amex’s Worldwide Airline Program. You’d must redeem 219,597 Membership Rewards by Pay with Factors. However right here’s what number of you’d want with the next playing cards.

It will value the next quantity of factors after the rebate:

  • Enterprise Centurion: 109,799 Membership Rewards factors.
  • Enterprise Platinum: 142,739 Membership Rewards factors.
  • Enterprise Gold: 164,698 Membership Rewards factors.

If as an alternative, you wished to attempt reserving this by transferring your Amex factors to British Airways Government Membership, you’d want 120,000 of them— however would even be on the hook for practically $1,800 in taxes and costs!


Do you earn factors on Amex Pay with Factors bookings?

Let’s separate this in two: incomes Membership Rewards factors once you ebook, then incomes miles with the airline once you really fly.

When utilizing Pay with Factors, you’ll not earn Membership Rewards factors on the reserving, besides if you happen to use money for a portion of the reserving. When you checkout utilizing a mixture of factors and your card, you’ll earn Membership Rewards factors on the portion paid for along with your card.

Nonetheless, you’ll earn elite-qualifying award factors or miles with the airline you fly (or a associate airline if you happen to select to credit score to 1) by reserving by Amex Pay with Factors. So if elite standing is your objective however you continue to need to use your Amex factors to journey, there are lots of conditions the place utilizing Pay with Factors is a greater possibility than benefiting from the Membership Rewards program’s switch companions.

Backside line

Flexibility is one key to getting good worth when redeeming your factors and the American Specific Pay with Factors bonus is a useful gizmo in your redemption arsenal.

This isn’t the best way to attain overpriced first-class seats, however throughout a fare sale, utilizing Amex Pay with Factors can usually be cheaper than transferring to a journey associate.

If you add within the miles (each elite and redeemable) that you simply earn on the flight, this feature turns into very compelling in sure circumstances. Simply make certain to do the mathematics.

Further reporting by Emily Thompson, Benji Stawski and Eric Rosen.

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