Pay off eligible purchases using your Membership Rewards® points,
with the Cover Charges with Points feature on your Card.
Benefits of Cover Charges with Points
Use points to reduce or cover
the cost of a recent purchase
Use points to reduce your
monthly Card balance
Receive a statement credit
for the value of your points
Here’s how it works
- Choose a transaction or charge on your online statement
- Select the option to Cover Charges with Points
- A statement credit will be applied and appear online within 3 business days
Note: You need to redeem at least 1,000 Membership Rewards points.
Start using Cover Charges with Points today
You’ve got the freedom to use your points to cover almost anything you’ve bought on your Card, such as:
Dinner on that special occasion.
The hotel bill
on your latest adventure.
Your new smartphone.
1. For each successful transaction with cover charges with points, points chosen will be debited from your Membership Rewards account and a credit placed on your Card. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Account cannot be in credit when using cover charges with points. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 2-4 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund.
2. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee.
3. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Primary Card Members enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, Additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.
