American Express Pay With Points Value?

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American Express Pay With Points Value?

Postby phil » Sat May 14, 2011 7:27 pm


I am thinking about getting an AMEX card and was wondering if someone can explain the valuation of Pay with Points for flights booked from AMEX Travel.

I currently have the BOFA Alaska Air card and Alaska's value is about 1% of points to cash for tickets. I am hoping AMEX is about the same.

Also, are MR Express points valued less then regular MR points when using Pay with Points? I know that MR First points get you 20% of the points used back.



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Postby jeffysdad » Sun May 15, 2011 9:20 am

I don't know the answer to the question above, but I would ask the same about the Chase Sapphire card, which also offers "pay with points."

I suspect that in the case of either Amex or Chase, one who is not a very heavy traveler is better off following a simple cash-back strategy instead of juggling points/miles conversions, travel itineraries and potential blackout dates, etc.

In the same ballpark, what of Amex "pay with points" on Is that worth it?
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Postby Mogul of Pineapples » Mon May 16, 2011 11:30 pm

The last I checked, the value of AmEx Membership Rewards Express was 0.5 cents per point and for the regular Membership Rewards, it was 1 cent per point. With the MRE you can still get 1 cent per point through gift cards.

With the Chase Sapphire it is also 1 cent per point with their equivalent to the AmEx Pay With Points benefit. With Sapphire Preferred you get a 25% boost, 1.25 cents per dollar.

Given the promotion you get with the Sapphire I would recommend that right now. I don't even need another travel card but am thinking am applying myself because of the bonus Chase is offering for it right now. CreditCardForum is a Chase affilaite and has access to the offer: Chase Sapphire review
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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