Amex Membership Rewards Points Value Calculator
Statement Credit / Shop with Points (0.6¢)
Amazon / Best Buy (0.7¢)
Amex Travel Portal – Flights (1.0¢)
Schwab Cash Out – Plat only (1.1¢)
Transfer Partners – High Value (2.0¢)
Custom Cents Per Point
Estimated Cash Value
How to Use the Amex Points Value Calculator
Calculating the real-world value of your American Express Membership Rewards (MR) points is essential for maximizing your rewards strategy. Unlike fixed-value cashback, Amex points have variable values depending on how you redeem them.
Common Redemption Values:
- Transfer Partners (Best Value): When transferring to airlines like Delta, British Airways, or Singapore Airlines, you can often achieve 2.0 cents per point or higher for Business Class seats.
- Amex Travel Portal: Booking flights directly through Amex typically yields a flat 1.0 cent per point.
- Charles Schwab Cash Out: For holders of the Amex Platinum Card for Charles Schwab, points can be deposited into a brokerage account at 1.1 cents per point.
- Statement Credits: Generally the worst value, offering only 0.6 cents per point.
The Math Behind the Value
The formula used in this calculator is straightforward:
Total Value ($) = (Total Points × Cents Per Point) / 100
For example, if you have 60,000 points and use them for a flight via the travel portal (1.0¢), your value is (60,000 × 1.0) / 100 = $600.00.
Pro Tip: Calculating "Cents Per Point" for a Specific Redemption
To find the specific value of a booking you are looking at, use this formula:
(Cash Price of Ticket / Points Required) x 100 = Cents Per Point.
If a $1,200 ticket costs 60,000 points, you are getting exactly 2.0¢ per point.