The place to journey with 100,000 Amex Membership Rewards Factors

Let’s say you latterly utilized for one of the crucial legendary playing cards available on the market—the Platinum Card by American Specific—and scored a hefty, six-figure welcome bonus.

As a well-informed bank card aficionado, that these American Specific Membership Rewards Factors are value a measly 0.6 cents per level should you go for a cash-back redemption, however might be value much more if saved towards your subsequent trip. However the place do you have to go?

Amex has so many switch companions that it may be genuinely difficult to a) take into account which companions will maximize the worth of your factors and b) plan out your subsequent journey from there. That’s why Fortune Recommends determined to do the onerous give you the results you want. From petting wombats outdoors Sydney to neon-soaked excursions of Tokyo, listed here are three dream journeys you possibly can take with 100,000 Membership Rewards Factors.

The Platinum Card® from American Specific

See Charges and Charges

Intro bonus
Earn 80,000 Membership Rewards® Factors after spending $8,000 on purchases on the Card in your first 6 months of card membership
Annual Payment $695
Buy APR See Pay Over Time APR
Overseas Transaction Payment None

1. Order life-changing ramen in Tokyo

Ichiran, Shibuya – picture by Akaarm, through Tripadvisor

When you’ve learn our information on the most effective redemption choices for Membership Rewards, you’ll know that your best choice—by far—is to switch your factors to an airline or lodge loyalty program.

Amex has 21 switch companions as of this writing, together with 18 airways and three lodge chains (full listing under). Except in any other case acknowledged, you possibly can switch 1,000 Membership Rewards Factors (MRP) in trade for 1,000 associate factors, which means a 1:1 switch charge.

Airline companions

  • Aer Lingus
  • AeroMexico (1,000 MRP to 1,600 AeroMexico Rewards Factors)
  • Aeroplan
  • ANA Mileage Membership
  • Avianca LifeMiles
  • British Airways Govt Membership
  • Cathay Pacific
  • Delta Air Traces
  • Emirates Skywards
  • Etihad Visitor
  • HawaiianMiles
  • Iberia Plus
  • JetBlue TrueBlue (250 MRP to 200 TrueBlue factors)
  • Qantas Frequent Flyer (500 MRP to 500 Qantas Factors)
  • Qatar Airways Privilege Membership
  • Singapore Airways KrisFlyer
  • Virgin Atlantic Flying Membership

Resort companions

  • Alternative Privileges
  • Hilton Honors (1,000 MRP to 2,000 Hilton Honors Factors)
  • Marriott Bonvoy

Now, how does this chart assist you order comfortingly scorching, gloriously genuine ramen in Tokyo?

Properly, the trick to redeeming Membership Rewards Factors is to know which associate has probably the most useful factors. Japan’s largest airline ANA, for instance, has factors that may typically be value properly over 2 cents per level (CPP) every. Meaning a flight from JFK to Tokyo—which might usually value you properly over $800—might value you as little as 40,000 ANA Mileage Membership Miles spherical journey. See the instance from my very own analysis under:


Meaning in case you have 100,000 Membership Rewards factors at your disposal–and also you’re versatile on dates–you and a companion may fly all the best way all over the world with 20,000 Membership Rewards factors to spare.

From there, you possibly can take a Mt. Fuji tour by day…

Japan Panoramic Excursions, through Tripadvisor

… and discover the world’s largest metropolis by evening, sipping tonkotsu broth earlier than you embark in your Winter Illumination Tour.

Biking Vacation Tokyo, through Tripadvisor

After all, 100,000 Membership Rewards Factors received’t cowl 100% of your bills the whole time you’re in Tokyo—however talking from firsthand expertise, getting to Tokyo is by far the most costly half. When you’re there, you’ll be pleasantly stunned to seek out that an genuine bowl of ramen prices round ¥1200 or roughly $7.60.

Oh, and should you’re seeking to earn a beneficiant charge of 4X Membership Rewards Factors per greenback spent as you fulfill your internal foodie, keep in mind to carry your American Specific Gold Card for its eating rewards.

American Specific® Gold Card

See Charges and Charges

Intro bonus
Earn 60,000 Membership Rewards® factors after you spend $6,000 on eligible purchases together with your new Card inside the first 6 months of Card Membership
Annual Payment $250
Buy APR See Pay Over Time APR
Overseas Transaction Payment None

All that being stated, should you’d want to discover a sprawling, adventure-rich metropolis nearer to residence, why not spend your hard-earned MRP within the Huge Apple? Right here’s how.

2. Discover NYC, beginning 5 blocks from Central Park

Pixabay, through Pexels

With New York being as costly as it’s, you would possibly already be questioning: how far can 100,000 MRP actually take you when you’re there?

Seems, it could get you inside shouting distance of Central Park—and also you received’t should stay just like the forged of Lease, both.

Due to a 1,000-to-2,000 switch ratio, your 100,000 Membership Rewards Factors can immediately change into 200,000 Hilton Honors factors. If it can save you a mere 500 extra Membership Rewards Factors/1,000 Hilton Honors factors, you’ll have precisely sufficient within the financial institution to guide a three-night keep on the New York Hilton Midtown based mostly on what my analysis turned up.


Among the many seemingly billions of lodge choices in New York, what makes the New York Hilton Midtown particular?

Properly, not solely is it insanely good worth for New York lodging—it’s additionally inside a roughly 10-minute stroll of Occasions Sq., Rockefeller Heart and Central Park.

Google Maps

Meaning you and your companion can observe within the footsteps of Carrie Bradshaw, Joey Tribbiani and Buddy the Elf with out ever having to hail a cab. And whereas a three-nighter in a New York Hilton will shortly wipe out the stash of Membership Rewards you’re working with on this instance, you don’t should pay one other penny to benefit from the pure splendor of Central Park in autumn.

Marta Wave, through Pexels

Now, possibly you’re considering Tokyo and New York are superb—however you wish to spend your 100,000 Membership Rewards Factors on one thing you’re feeling is really distinctive and particular. One thing you’ve by no means accomplished earlier than. One thing you possibly can inform your mates about and so they’ll go you probably did WHAT?

In that case, enable me to introduce you to the mighty Australian wombat.

3. See the opera in Sydney and possibly pet a wombat

Excellent Day Sydney, through Tripadvisor

Past ANA and Hilton, one other Amex associate with favorable switch ratios is Australia’s personal Qantas Airways Restricted.

After a fast search, I discovered a flight choice from San Francisco to Sydney for $1,152 or 41,900 Miles plus $99 money. Meaning 41,900 Miles lined $1,053 of the fare, or supplied over 2.5 CPP every.


Now, to set expectations, that’s 41,900 Miles one-way—so that you’ll doubtless should pay one thing out of pocket to fly each you and a companion “down underneath,” in addition to cowl lodging.

However 100,000 Membership Rewards factors (transferred 1:1 to Qantas) will nonetheless foot a large chunk of the invoice, and for additional consideration, look who can be ready for you:

Excellent Day Sydney, through Tripadvisor

Sure, along with ‘roos and snakes, Australia is residence to the lovable, pleasant wombat. You may take a day tour from Sydney to satisfy each kangaroos and wombats up shut earlier than having fun with a lunch that I’d guess should contain a point of vegemite.

Then, within the night, why not a twilight cruise by Sydney harbor?

Joshlees, through Tripadvisor

Sure, I confess once more that 100,000 Membership Rewards Factors received’t get you and your plus-one all the best way to Australia and again, nor will it totally cowl lodging when you’re there. However I wished to focus on this selection nonetheless to point out simply how a lot worth Qantas is prepared to provide you to your Membership Rewards Factors—and level out {that a} wombat-filled Aussie journey may very well be properly inside your monetary attain.

The takeaway

Amex’s lengthy listing of switch companions is a double-edged sword. On the one hand, it offers you tons of choices. However alternatively, it offers you tons of choices, which might make selecting and planning the proper journey moderately difficult.

Hopefully someday AI will assist us spend our bank card rewards like a robotic journey agent, working countless calculations to seek out the best redemption path. However till then, it’s a extra guide course of.

A minimum of it’s a massively rewarding one, with wombats, cherry blossoms and $1 New York slices awaiting our arrival.

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