American Express Membership Rewards Credit Cards
From shopping to streaming, food to flights, groceries to getaways, your everyday purchases could be earning you big points. Discover how American Express Membership Rewards Points can turn spending into perks.
Never heard of Membership Rewards before? No worries! It's American Express's loyalty program that let's you earn points every time you spend on your card. Yep, even at the ATO. You can then turn those points into Airline Rewards, hotel stays, gift cards and heaps more. What's even better is that you can transfer them to a bunch of airline and hotel partners like KrisFlyer, Velocity, Emirates Skywards, Marriott Bonvoy and more.
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Here's 3 things to know before you sign up.
- You'll earn points for almost everything. Groceries, fuel, streaming, If you're spending on your Amex you're probably earning points. Live life and earn points. Pretty simple.
- You’ve got options when it comes to redemption. Flights? Gift cards? A cheeky hotel upgrade? You can use your points for all that and more. Plus, you can pay off purchases with points or even shop online with select brands.
- You can transfer out to other programs. This is where it starts to get really good. You can convert Membership Rewards Points to more than 10 partners including British Airways, Emirates Skywards, Everyday Rewards, Singapore Airlines and Virgin Velocity. Your next dream holiday isn't that far away.
About the rates on this page: Interest rates shown are purchase rates (% p.a.), not comparison rates. Credit cards don't come with a comparison rate, so compare the annual fee and other fees too, and read the provider's PDS and TMD before applying. Rates and offers correct as at 6 November 2026.
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American Express Explorer Credit Card
Earn up to 100,000 Bonus Membership Rewards® Points*
points earned over 12 months
American Express Platinum Business Card
350,000 Membership Rewards Bonus Points
points earned over 12 months
American Express Business Gold Plus Card
100,000 Membership Rewards Bonus Points
points earned over 12 months
American Express Platinum Edge Credit Card
Waived annual fee + travel perks
points earned over 12 months
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Pauline Hatch is a personal finance expert at Creditcard.com.au with 9 years of finance writing under her belt. She loves turning complex money concepts into simple, practical actions so you can win financially. You can ask Pauline any questions by submitting a comment below and get a personal reply.
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