It is very useful when credit card rewards programs allow you to transfer your points to your spouse or another person. Each bank has different rules for transferring points to other cardholders.
Can You Transfer American Express Membership Rewards Points to Another Person?
No, Amex does not allow you do transfer your Amex Membership Rewards points into the Membership Rewards account of another person even if it is your spouse or an authorized user of your credit card. However, you can transfer your Amex Membership Rewards points into a travel loyalty account of an authorized user. You do not need to be related to the authorized user or live in the same household but they need to be an authorized user on your account for at least 90 days.
(Related post: For a list of all of the Amex travel transfer partners see List of Amex Membership Rewards Transfer Partners.)
This means that if you want to share your Amex Membership Rewards points with your spouse or any other person so they can use them for travel, the way to do that is to transfer your points to one of their frequent flyer or hotel loyalty accounts.
How to Transfer Amex Membership Rewards Points to Another Person’s Travel Loyalty Program
Amex allows you to transfer Amex Membership Rewards points to another person’s frequent flyer or hotel loyalty account if they are an authorized user on one of your card accounts tied to your Membership Rewards. Effective on September 1, 2019, Amex changed the rules to allow transfers only if they are an authorized user for at least 90 days so if you anticipate transferring Membership Rewards to an authorized user add them to your account ASAP.
To transfer points to another person’s frequent flyer account, follow the same steps that you would follow to transfer points to your own frequent flyer account.
The exact process is the same except when you click on a transfer partner. You will see a list of cardholders and you need to choose their name and enter their loyalty program number.
For a step by step guide on how to transfer your Amex Membership Rewards points to an Amex Membership Rewares transfer partner, see related post How to Transfer Amex Membership Rewards Points to Airlines.