What is not eligible for AmEx points?
While you can earn American Express Membership Rewards® points on most purchases, some transactions are excluded. These ineligible categories often involve cash-like transfers, such as fees, person-to-person payments, and other activities that circumvent standard retail spending. Understanding these limitations helps maximize your point-earning potential.
Ineligible Transactions for American Express Points Earning
American Express Membership Rewards® points offer a rewarding way to accumulate points for travel, cash back, gift cards, and more. However, certain types of transactions are excluded from earning points. Understanding these ineligible categories is crucial for maximizing your point-earning potential.
Cash-Like Transactions:
- Balance transfers: Transferring balances from other credit card accounts or loans.
- Cash advances: Withdrawing cash from an ATM, bank, or teller using your American Express card.
- Fees: Annual fees, late payment fees, and other service charges.
- Interest charges: Interest accrued on unpaid balances.
Person-to-Person Transactions:
- Venmo, PayPal, and other person-to-person payment services: Payments made to individuals or businesses through these platforms.
- Cash-equivalent purchases: Purchasing money orders, gift cards, or other cash-like items.
Other Ineligible Activities:
- Prepaid cards: Purchases made using prepaid debit or gift cards.
- Forex transactions: Purchases made in foreign currencies that are converted to US dollars by American Express.
- Government-related payments: Taxes, fines, and other payments made to government agencies.
- Charitable donations: Donations made to non-profit organizations.
- Transactions that violate American Express terms and conditions: These may include unauthorized purchases, fraudulent transactions, or excessive spending.
Understanding Ineligible Transactions:
It’s important to note that some transactions may be eligible for points under specific conditions or with certain American Express cards. For example, some business cards may earn points on balance transfers or government-related payments. Always refer to the terms and conditions of your American Express card or contact customer service for clarification.
By being aware of the transactions that are not eligible for AmEx points, you can optimize your spending habits to maximize your point accumulation and redeem them for valuable rewards.
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