American Express Rewards UK
Unlock maximum value from Amex Membership Rewards with our ultimate guide. Learn the best cards, how to preserve your points if cancelling, how to time transfers for top conversion rates, and how to score the most from flight and partner redemptions.
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Written by My Side Gig team
Table of Contents
The American Express Range
Card / Service | Bonus | Description |
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Amex Gold (Top Pick) Includes 4 free airport lounge passes |
22,000 points | Spend £3,000 in 3 months. £0 in year 1, £195 after. Can cancel anytime. Ideal for travel & dining. |
Platinum Card | 55,000 points | Spend £6,000 in 3 months. £650 annual fee. Includes airport lounge access. |
BA Premium Plus | 31,000 Avios | Spend £6,000 in 3 months. £300 fee. Best for frequent BA flyers. |
BA Standard | 6,000 Avios | Spend £2,000 in 3 months. £0 annual fee. Basic option for Avios collectors. |
Rewards Credit Card | 12,000 points | Spend £2,000 in 3 months. No fee. Good starter option for Membership Rewards. |
Cashback Card | £25 cashback | Spend £11+ in 11 months. Earn 5% cashback (up to £125). £25 annual fee. |
Cashback Everyday | £10 cashback | Spend £11+ in 11 months. Earn 5% cashback (up to £125). No annual fee. |
Nectar Credit Card | 21,000 Nectar pts | Spend £2,000 in 3 months. £0 year 1 then £30. Great for Sainsbury's, eBay, Argos shoppers. |
Marriott Bonvoy | 23,000 points | Spend £3,000 in 3 months. £95 fee. Best for hotel stays & Marriott perks. |
How to Maximise the Value of Your Amex UK Membership Rewards Points
Want to get the most out of your Amex points? The best value almost always comes from transferring points to airline partners for flight redemptions — especially in premium cabins. Below is everything you need to know about where to transfer, how to value your points, when to request retention offers, and how to plan around your Amex renewal.
Best Use: Airline Transfers
Transferring your Membership Rewards points to airline programs gives the highest potential value, sometimes over 2p per point.
Airline Transfer Partners:
Aer Lingus AerClub – 1,000 Points = 1,000 Avios
Aeromexico Rewards – 1,000 Points = 1,600 AeroMexico Points
Air Canada Aeroplan – 1,000 Points = 1,000 Aeroplan Points
Air France-KLM Flying Blue – 1,000 Points = 1,000 Flying Blue Miles
ANA Mileage Club – 1,000 Points = 1,000 ANA Miles
Avianca LifeMiles – 1,000 Points = 1,000 LifeMiles
Cathay Pacific Asia Miles – 1,000 Points = 1,000 Asia Miles
Delta SkyMiles – 1,000 Points = 1,000 SkyMiles
Emirates Skywards – 1,000 Points = 750 Skywards Miles (4:3 rate)
Etihad Guest – 1,000 Points = 1,000 Guest Miles
Iberia Plus – 1,000 Points = 1,000 Avios
JetBlue TrueBlue – 250 Points = 200 TrueBlue Points
Qatar Airways Privilege Club – 1,000 Points = 1,000 Avios
Qantas Frequent Flyer – 500 Points = 500 Qantas Points
Singapore Airlines KrisFlyer – 1,000 Points = 750 KrisFlyer Miles (3:2 rate)
Virgin Atlantic Flying Club – 1,000 Points = 1,000 Virgin Points*
*Virgin Atlantic occasionally runs 30% bonus transfer promotions, boosting the value to over 1.5p per point.
Hotel Partners (Decent Value)
Hotel Transfer Partners:
Hilton Honors – 1,000 Points = 2,000 Points
Marriott Bonvoy – 1,000 Points = 1,000 Points
Choice Privileges – 1,000 Points = 1,000 Points
These transfers typically give 0.5p–1p value per point depending on redemption.
Points Value Guide
Estimated Value per 25,000 Points:
Airline transfers (premium cabin): £250–£500+
Airline transfers (economy): £125–£325
Hotel partner transfers: £100–£250
Gift cards: ~£125
Shop with points: ~£113
Cover charges with points: ~£100
Retention Offers Script
You can sometimes get bonus points for staying when your annual fee hits. Try this Amex chat message:
Hi, my annual membership is approaching, and I’m exploring my options. Before I decide whether to renew, I wanted to inquire if there are any retention offers available. Thank you.
Reported retention offers include:
12,000 points for £1,000 spend in 3 months (usually 1–2 months before renewal)
50,000 points completely free
Yearly fee waived
Useful Tools
SeatSpy: £2.99/month to see Avios availability quickly
Reward Flight Finder: another tool to check for BA Avios redemptions
When Will My Amex Renew?
Your card renews automatically on your anniversary date — the same day every year you opened your account. There's no notification unless you're checking your account. You can:
Find the date in your T&Cs
Message Amex on live chat and ask directly
What If You Want to Cancel?
You can cancel your Amex card at any time — but if you do, make sure your points are safe first.
If you cancel a card that earns Membership Rewards points (like the Gold or Platinum), your points will be lost unless:
You transfer them to a partner before cancelling
Or you hold another card that earns Membership Rewards
The American Express Rewards Credit Card is free — not just free in the first year, but permanently free. You earn Membership Rewards points on your spending, and it’s an excellent fallback option for anyone considering cancelling a fee-paying card. While you wouldn’t qualify for a sign-up bonus if you currently hold another MR-earning card, getting the free American Express Rewards Credit Card keeps your points balance active.
If you don’t do this, you’ll need to use or transfer all of your points before closing your current card — otherwise they’ll be lost.
Calculators: How Much Are Your Amex Points Worth?
💷 AMEX Points Value Estimator
📊 Value Per Point Calculator
FAQ’s
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Membership Rewards (MR) points are Amex's loyalty currency. When you use an eligible Amex card, you earn points on your spending. These points can be used for a range of redemptions including flights, hotels, gift cards, shopping, and more.
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The value of Amex MR points varies by redemption method:
Airline transfer (premium): 1p to 2p+ per point
Airline transfer (economy): 0.5p to 1.3p per point
Hotel transfers: 0.4p to 1p per point
Gift cards: 0.5p per point
Shop with points (Amazon, etc.): ~0.45p per point
Cover charges on card: ~0.4p per point
Best value: airline transfers, especially in business or first class.
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You’ll need to link your Amex account with the partner’s loyalty programme. This is done via your online Amex account:
Log in to your Amex account.
Go to the Membership Rewards section.
Select "Transfer Points".
Choose your airline or hotel partner.
Enter your loyalty number and confirm.
Transfers are often instant but may take up to 5 working days for some partners.
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Amex UK has 14+ airline partners, including:
British Airways Executive Club (Avios)
Virgin Atlantic Flying Club
Air France/KLM Flying Blue
Emirates Skywards
Qatar Airways Privilege Club
Singapore Airlines KrisFlyer
American Express also links to hotel partners like Hilton, Marriott, and Choice.
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Use our Value Calculator to estimate value based on redemption type. As a rule of thumb:
< 0.5p per point: Poor
0.5p - 1p: Decent (gift cards, hotels)
1p - 2p+: Excellent (flights in business/first)
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No, Amex points don’t expire as long as your Membership Rewards account is active. If you cancel your card and don’t hold another MR-earning card, your points will be forfeited.
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The Amex Rewards Credit Card is the only card with no annual fee and earns MR points. It’s perfect as a backup if you plan to cancel your Gold or Platinum card but want to preserve your points balance.
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American Express Preferred Rewards Gold is widely considered the best all-round card:
£0 fee in year 1
22,000 MR points welcome bonus (worth £220–£400+ if transferred)
4 free airport lounge passes per year
Monthly dining/travel credits from year 2
Use it for the bonus, then consider downgrading or cancelling before the £195 fee in year 2.
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You’re only eligible for a sign-up bonus on MR cards if you haven’t held a personal MR card in the past 24 months. That means if you’ve held Gold, Platinum or the free Rewards card recently, you won’t qualify again yet.
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Yes — business cards like the Amex Business Gold and Business Platinum earn MR points and often have higher sign-up bonuses (e.g. 50,000+ points). They also have separate eligibility rules — so you can earn both personal and business card bonuses.
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You have two options:
Transfer your points to an airline/hotel partner before cancelling.
Or apply for the free Amex Rewards Credit Card to keep your points active.
Failure to do this means your points will be lost upon cancellation.
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If you have the Gold or Platinum card and don’t want to pay the annual fee:
Call or message Amex and ask to downgrade to the Amex Rewards Credit Card.
This keeps your points and account history intact.
You won’t receive a new welcome bonus, but there’s no fee.
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Yes — Amex may offer bonus points or statement credit to keep you from cancelling. Offers vary but typically include:
5,000–12,000 MR points for spending £1,000 in 3 months
£50–£100 credit for retention
You can ask via Live Chat or by phone shortly before your renewal date.
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While flights offer best value, you can also redeem points for:
Amazon & PayPal purchases
Gift cards for retailers like M&S, John Lewis, IKEA, etc.
Statement credits
Travel bookings through Amex Travel
Just note: these options usually give lower value per point than transferring to partners.
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Any everyday purchase counts — groceries, transport, bills, subscriptions. What doesn’t count:
Cash withdrawals
Gift card reloads (in some cases)
Gambling transactions
Balance transfers