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Amex expands Membership Rewards redemptions through Apple Pay checkout
The Apex Times

THE APEX TIMES

Business/The Apex Times/Jul 2, 10:55 AM EDT

Amex expands Membership Rewards redemptions through Apple Pay checkout

American Express is adding a new way for cardholders to apply Membership Rewards points directly at checkout using Apple Pay online and in-app.

By The Apex Times Newsroom2 min readAI-assisted Apex article

American Express is expanding how customers can use Membership Rewards points by letting eligible cardholders redeem them through Apple Pay during checkout. The update is designed to bring rewards redemption into the same payment flow that people already use on iPhone and iPad, without requiring a separate rewards checkout step.

Under the new option, cardholders can select Apple Pay at checkout and use points earned on their American Express cards toward an eligible purchase. American Express said the feature will be available both online and through the digital wallet’s app experience, positioning it as an additional redemption pathway rather than a replacement for existing Amex choices.

The companies also framed the change as part of Amex’s push to integrate more merchants into its loyalty redemption process. Amex has been broadening redemption beyond traditional travel uses, including enabling points toward purchases connected to collectibles and apparel, such as merchandise sold by Fanatics, as referenced in the announcement reported by Payments Dive.

For Apple, the move underscores the company’s ongoing effort to deepen Apple Pay’s role beyond day-to-day payments. Payments Dive noted that Apple has been expanding Apple Pay functionality, including work aimed at later enabling tap-to-share capabilities for sharing items like addresses or loyalty details with merchants.

American Express said cardholders need to add their Amex cards to Apple’s digital wallet before the redemption option appears at checkout, according to the report. The feature is intended to show up as an in-checkout choice for eligible American Express cards that earn Membership Rewards points.

The announcement also drew a line back to Apple Pay’s early history in the U.S. Payments Dive reported that Amex has described itself as a launch partner for Apple Pay in the U.S. dating to 2014, and said the latest change extends that existing partnership into rewards redemption.

In a separate explainer, The Points Guy described the practical value proposition as convenience-focused. It reported that American Express values Membership Rewards points redeemed through Apple Pay at 0.7 cents per point, which can imply a lower effective rate than using points through transfers to airline and hotel partners. American Express did not dispute that valuation framework in the Payments Dive report, but the figure comes from secondary commentary rather than the primary announcement.

Why It Matters

  • Rewards programs increasingly compete on where customers can redeem, not just on what they earn, and embedding redemption in a digital wallet reduces friction.
  • The Apple Pay checkout flow is becoming a more common loyalty touchpoint, potentially increasing the amount of spending that uses points versus traditional statement credits or separate redemption portals.
  • American Express is indicating that it wants to keep Membership Rewards relevant for everyday purchases, not only high-value travel redemptions.
  • The company’s own disclosure in the reported announcement did not detail the full eligible-card list, point conversion rules, or merchant limitations, so consumers may need to confirm availability case by case.

Sources

Key Facts

  • American Express added an option for eligible cardholders to redeem Membership Rewards points through Apple Pay at checkout.
  • The redemption option is available for online purchases and through Apple Pay’s app experience, according to the report.
  • Cardholders must first add their Amex cards to Apple’s digital wallet before the redemption feature is expected to appear at checkout.
  • American Express said the change is part of efforts to integrate more businesses into its loyalty redemption process.
  • Payments Dive said Amex and Apple Pay’s relationship dates back to 2014, when Amex was described as a launch partner for Apple Pay in the U.S.

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