Frequently Asked Questions

Here are a few things you might want to know.

How can I learn more?

If you have not already done so, please fill out our contact form and our sales team will be in touch. 


What does it cost to use the Payroll Rewards Service?

You will pay American Express® a processing fee that is calculated as a percentage of your payroll that you pay using the Payroll Rewards service. We recommend that you discuss your payroll timing and volumes with one of our sales associates to get more information about the processing fee that will apply to you. 


How many American Express Membership Rewards® points can I receive?

You can earn one American Express Membership Rewards point for every dollar of payroll that you pay using the Payroll Rewards service. But you can't receive Membership Rewards points on your payroll transactions unless you have an American Express Card that is enrolled in the Membership Rewards program. Terms and conditions apply. Click here for more information.


Is Payroll Rewards a payroll company?

No, we are not a payroll company. We offer a seamless way for business owners to manage their payroll programs.  For every dollar of payroll spending that is initiated through Payroll Rewards you can earn American Express Membership Rewards Points on an American Express Card that is enrolled in the Membership Rewards program.  This allows you to extract greater value from your business. 


Do I need an American Express® Card to be enrolled in the PayRoll Rewards service? 

No, you don’t have to have an American Express Card.  But you can’t receive Membership Rewards points for your payroll transactions unless you have an American Express Card that is enrolled in the Membership Rewards program.  You can apply for an American Express Card by calling (888) 473-5826 or by going online at


How do American Express Membership Rewards points work?

Membership Rewards points can be redeemed for gift cards, travel, hotel bookings and more.


What happens to Membership Rewards points if I cancel my American Express Card?

Any Membership Rewards points earned through Payroll Rewards transactions will be subject to the terms of the applicable American Express Membership Rewards program, including terms related to points forfeiture, cancellation and redemption options.  

NMLS ID # 913828


Connect with our team to learn more.



Payroll Rewards, Inc. is an authorized service provider to American Express Travel Related Services Company, Inc. and may receive compensation from American Express in connection with this payroll processing service. To enroll in the money transmission service of American Express, your company must first complete an application which is subject to review and approval by American Express. Fees apply. “American Express” and “Membership Rewards” are trademarks of American Express and are used under limited license.

American Express will award one (1) Membership Rewards point for every $1 of payroll spend initiated through this service. Fees apply. To receive Membership Rewards points, you must first complete and submit to American Express a form designating an American Express Card that is already enrolled in the Membership Rewards program to which points will be credited. Fees, terms and conditions apply. Click here for more information about the Membership Rewards program.