American Express Membership Rewards® is the most valuable transferable points currency in Canada.
With so many great cards that earn Amex Membership Rewards® points, you can end up with more than one account.
You can transfer your Membership Rewards® to more airline and hotel partners than any other credit card points program in Canada.
Combining them helps you get the most value when you transfer.
Plus, if you ever cancel a card, you’ll keep your Membership Rewards® as long as one card stays open. Combining helps ensure you don’t lose any points.
Once you combine your accounts, Membership Rewards® you earn from your American Express® Platinum, Gold, Cobalt, Green, Business Gold and Business Platinum will all accumulate into one place.
Here’s how to combine your American Express Membership Rewards® between your accounts.
Why Combine Your Amex MR®
You’ll earn points on almost every purchase with Amex® cards that earn Membership Rewards®.
Many Canadians carry more than one,like the American Express Platinum® for travel benefits and the American Express Cobalt® for grocery and dining.
Each Amex MR® card earns you plenty of Membership Rewards®, but those points can sit in separate accounts. Combining them makes transfers to partners easier.
Partners require a minimum of 1,000 points in 1,000-point increments. So having one account makes transfers simpler and keeps smaller balances useful.
Combining also helps if you choose to close a card. Your points stay safe as long as you keep at least one Membership Rewards® card open.
The no-fee American Express Green® Card is a practical way to keep your points without paying an annual fee.
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The AWP Newsletter
Fuel your adventures with points
Sign up to get your free guide. Get our newsletter with credit cards and points tips. See how easy it is to travel for nearly free.
American Express Membership Rewards® Cards
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Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
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Welcome Points: 40,000
Welcome Value: $1,300
Annual Fee: $199
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Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
How to Combine Your Amex MR®
Once you combine your American Express Membership Rewards® accounts, the points you already have and any you earn from any Membership Rewards® cards will accumulate in a single account.
Getting set up is easy:
You can combine business and personal Membership Rewards® accounts. For example, points from the Business Platinum® and Business Gold® can be combined with your Amex Membership Rewards® from personal cards.
The higher-tier card becomes the main account for your points, in this order: Platinum®, Gold®, Cobalt®, and Green® last.
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Keep in mind that combining your accounts will reset your welcome bonus tracker.
You’ll want to do it before you start spending toward a bonus, or wait until after you’ve earned it.
How to Combine Amex MR® with Others
Unfortunately, you can’t combine your Amex Membership Rewards® with anyone else, not even a spouse.
You also can’t transfer your points into someone else’s airline or hotel loyalty program account.
What you can do is transfer your Membership Rewards® points to your own loyalty accounts, and then book flights or hotels for your family and friends.
The one exception is with authorized users. You can transfer Membership Rewards® points to their loyalty account, as long as they’ve been authorized users on your Amex® card for at least 90 days.
With a little planning, you can add a spouse or family member as an authorized user and later move points into their account.
It’s even more rewarding if you add them during a promotion, since you’ll earn bonus points at the same time.
When my husband and I plan trips, I sometimes transfer my Membership Rewards® points into my Aeroplan® account and book both our flights. On other trips, we transfer his points and book from his Aeroplan® instead.
We just use whichever balance makes sense at the time, along with Aeroplan® co-branded cards like the TD Aeroplan® Visa Infinite* and TD Aeroplan® Visa Infinite Privilege*. For benefits like free bags, priority boarding, and lounge access.
Bottom Line
American Express Membership Rewards® are the most valuable transferable points in Canada.
With plenty of cards and ways to earn, combining all your Membership Rewards® into one account makes it easier to get the most from your points.
The process of combining points between your Amex accounts is easy. Hopefully, this guide is a useful resource of how you can combine your Amex® points.
