Chip Lupo, Credit Card Writer
The best charge card rewards program is American Express Membership Rewards because it’s the most valuable rewards program that also includes charge cards, such as the invitation-only Centurion® Card from American Express, among others. Eligible charge cards are automatically enrolled in the rewards program.
Key Things to Know About the Best Charge Card Rewards Program
Make purchases to earn points.
You earn American Express Membership Rewards points whenever you make purchases using an eligible Amex card. Once earned, there are several ways for you to redeem your points.
Point values vary by redemption method.
The exact value of American Express Membership Rewards points depends on how you choose to redeem them. For example, points are worth up to 1 cent each when redeemed for Travel through the American Express Travel website. But they are only worth about 0.5 cents apiece when redeemed for merchandise.
Points never expire, but they may be forfeited.
Points earned with eligible American Express charge cards never expire if your account is open and in good standing. That said, you’ll lose any unredeemed points when you close your account, or if Amex closes your account for inactivity, late payments or fraudulent activity, among other reasons.
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