About the American Express Membership Rewards® Program 
If you have an American Express® Card that is enrolled in the Membership Rewards program, you can receive Membership Rewards points for each eligible Payroll Rewards transaction.

Receive one Membership Rewards point for every $1 transferred to your payroll company through Payroll Rewards and choose rewards from an array of brands in travel, shopping, dining and entertainment.

The Membership Rewards program provides a breadth of exceptional rewards and the opportunity to transfer points to 22 rewards program partners, which is more than any other major U.S. credit card loyalty program. 

Here are some of the ways American Express Membership Rewards points can be redeemed:

  • Travel Rewards - Exceed your own expectations with the Membership Rewards® program. Choose from over 100 airlines and thousands of hotels when you book on Visit us online and use Pay with Points to turn a three day weekend into a week long stay.1,2 
  • Gift Cards - Step up your gift giving. Digital gift cards are convenient for you and the person you're treating. Just choose from over 80 brands, or select an American Express® Gift Card, which they can use anywhere American Express is accepted in the U.S.
  • Entertainment Rewards - Membership means more memorable moments. From concert tickets to curated experiences, you can use Membership Rewards® points to access all types of entertainment. Visit to find what interests you and the people you care about. 
  • Merchandise - See all the ways you can use Membership Rewards® points to brighten your day, or someone else's - browse toys, clothes, the newest tech, or even unforgettable experiences on membershiprewards.com3




One (1) Membership Rewards® point will be awarded for every $1 of payroll spend initiated through this American Express money transmission service. For a designated Membership Rewards program account to receive Membership Rewards points, your business must first enroll in this American Express service. Your business must also complete and submit to American Express a form designating an American Express Card Member who is already enrolled in the individual Membership Rewards program to whom points will be credited. With respect to a company enrolled in the Corporate Membership Rewards program, any earned points will be credited to the relevant Program Administrator Corporate Card linked to the company’s Membership Rewards program account. If you select a basic personal American Express Card Member or a basic small business American Express Card Member (e.g., OPEN from American Express) to receive the award of Membership Rewards points, please note that the designated Card Member for that personal or small business account is authorized to determine how and when to redeem those points. You agree not to make any claims against American Express with regard to the manner in which the basic Card Member redeems such points. The American Express Card Member you select to receive the award of points, or in the case of Corporate Membership Rewards, the company, must be current and enrolled in the Membership Rewards program at the time the payroll transaction is initiated. American Express must have a completed registration on file for the Card Member’s Card account or company’s Program Administrator Card Corporate Card account. In the event a registered Card is lost, stolen or renewed, you must register the new Card by submitting an updated form to American Express with the new Card information. Processing of the registration form takes approximately 2-4 weeks. To obtain a registration form, call 1-833-319-7265. Points will be credited to the Card Member’s Membership Rewards program account or Corporate Membership Rewards account, if applicable, within 10-12 weeks after the eligible transaction is completed. Membership Rewards points that are awarded for Payroll Rewards transactions are subject to the terms and conditions of the Membership Rewards program, including rules regarding forfeiture of Membership Rewards points. Note that the rewards available in the Membership Rewards program vary depending on the type of American Express Card enrolled in Membership Rewards. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to Participating partners and available rewards are subject to change without notice. See or call 1-800-AXP-EARN (297-3276) for more information. A company that is enrolled in Corporate Membership Rewards, and points received under that program, are subject to the terms of the Corporate Membership Rewards program (see American Express reserves the right to change, limit, modify or cancel this offer at any time. It is your responsibility as well as the designated Card Member’s responsibility, to find out if you are, or the designated Card Member is, liable for any federal, state or local taxes as a result of receiving or using points. You are also responsible for tax information reporting, if any, that is required in connection with the receipt or use of points by the designated Card Member.


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¹ Terms and Conditions for the Membership Rewards® program apply. Visit for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to  

² American Express Travel Related Services Company, Inc., when acting solely as a sales agent for travel suppliers, is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit  California CST#1022318, Washington UBI#600-469-694, Iowa TA#669.

3 When using points for products though you are purchasing directly from a merchant, not from American Express. Participating merchants determine (i) product prices and availability, (ii) offers, promotions and applicable restrictions, (iii) estimated shipping and (iv) estimated tax, all of which are subject to change at any time without notice and are only confirmed in the order confirmation email sent by the merchant. 

For accounts that qualify, Membership Rewards® points will be deducted for the purchase, including estimated shipping/handling and applicable taxes. A debit for the purchase will be issued by the merchant, and a credit for the purchase, including estimated shipping/handling and applicable taxes, will be issued by American Express to the Card account that you have designated for purchasing products through Please note: The debit and credit may not appear on the same billing statement. Card Members enrolled in the Membership Rewards program with any account that is canceled, past due or have a return payment outstanding are not eligible to redeem points. 

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