American Express App Lets Cardholders Use Reward Points on Almost Anything

What's Hot


The Most Sinful City in the U.S. Is … (Hint: It’s Not Vegas)Family

How a Mexican Tariff Will Boost the Cost of 6 Common PurchasesFamily

This Free Software Brings Old Laptops Back to LifeMore

How to Protect Yourself From the ‘Can You Hear Me?’ Phone ScamFamily

Report: Walmart to Begin Selling CarsCars

Where to Sell Your Stuff for Top DollarAround The House

Is Your TV Tracking You? Here’s How to Tell — and Prevent ItAround The House

11 Staging Tips to Help You Get Top Dollar When Selling Your HomeAround The House

8 Tuition-Free U.S. CollegesCollege

4 Car Insurers That Might Raise Rates Even When the Accident Wasn’t Your FaultCars

21 Restaurants Offering Free Food Right NowSaving Money

20 Simple Hacks to Make Your Stuff Last LongerAround The House

Trump Scraps FHA Rate Cut — What Does It Mean for You?Borrow

How to Invest If Trump Kills the ‘Fiduciary Rule’Grow

12 Surprising Ways to Wreck Your Credit ScoreBorrow

10 Overlooked Expenses That Ruin Your BudgetFamily

Instead of saving up points for big-ticket items like airfare, American Express is encouraging you to use them on everyday purchases. Sound good?

A lot of people don’t understand how their credit card rewards work, but American Express is trying to make them a little more accessible.

Its latest app update introduces the ability to spend reward points on everyday purchases consumers are already making, TechCrunch says, rather than saving up points for travel or use on a limited selection of offers in the company’s rewards hub.

“With this recent addition, cardholders can redeem points for any purchase, from gas and groceries to clothing and manicures, on their phones,” TechCrunch says. “Whenever they make a purchase with their card, they can open the mobile app and select Use Points for that particular charge once it hits their AmEx statement.”

That means points can be used on virtually any purchase, although they can’t be used to pay AmEx fees, TechCrunch says. Here’s some more fine print from AmEx:

  • Only Basic Consumer and OPEN cardholders are eligible to participate.
  • You have to have at least 1,000 points available to redeem any.
  • Only purchases greater than $1 are eligible.
  • American Express can “change which charges are eligible at any time without notice,” the company says.

AmEx isn’t the only one moving toward easier redemption. Two weeks ago, my card issuer Citibank sent me an email announcing sort-of-similar new benefits for online purchases.  In my case, rather than use an app, I would have to create a temporary virtual credit card number, then use that during online checkout instead of what’s printed on my card. (I haven’t bothered because I already can and do use my points on Amazon.)

Does your credit card have a similar feature? Would you want that kind of flexibility with your points? Comment below or on our Facebook page.

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!

💰🗣📰

Read Next: 25 Ways to Spend Less on Food

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 1,895 more deals!