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Apple Pay now lets you pay using American Express points

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Why This Matters

The integration of American Express Membership Rewards points into Apple Pay transactions represents a significant advancement in digital payments, offering consumers a more seamless and flexible way to redeem rewards during everyday purchases. This development not only enhances user convenience but also encourages greater adoption of digital wallets and rewards programs, shaping the future of contactless payments in the tech industry.

Key Takeaways

American Express has announced a new way for cardholders to redeem their rewards points: they can be used to pay for Apple Pay transactions. Here are the details.

American Express points can be redeemed during any Apple Pay transaction

Starting today, Apple Pay users can use their American Express points to pay for everyday transactions, right within the Apple Pay interface.

When checking out online or in stores, American Express cardholders will see the option to select ‘Use Rewards’ instead of putting the full charge on the card itself.

Here are more details, directly from the American Express press release:

Eligible Card Members can apply Membership Rewards points directly within the existing online or in apps Apple Pay payment experience — without needing to leave checkout, open another app or complete additional redemption steps. Here’s how: Shop online or in apps on iPhone or iPad

Select Apple Pay at checkout

Choose an eligible American Express® Membership Rewards® Card

Select “Use Rewards” during checkout and enter the amount to apply toward the eligible purchase. You can use points to cover all or part of your purchase.

Redeem Membership Rewards points seamlessly by completing the Apple Pay transaction When a user redeems Membership Rewards points through Apple Pay, Apple does not retain any transaction information linked to the user.

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