American Express Cardholders Can Redeem Membership Rewards via Apple Pay Online

By: Harsh Vardhan

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Updated on: 02-Jul-2026 08:00 AM

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American Express cardholders in the United States can now use Membership Rewards points during online checkout with Apple Pay. This new feature allows users to redeem points directly within the Apple Pay secure checkout process for online and in-app purchases.

Key Highlights

• American Express cardholders can redeem Membership Rewards points with Apple Pay online.
• Points are applied directly during secure Apple Pay checkout on iPhone or iPad.
• No need to leave checkout or use another app to redeem points.

How the Redemption Process Works

Cardholders can shop online or in apps on their iPhone or iPad as usual. At checkout, they select Apple Pay and choose an eligible American Express card. The option to 'Use Rewards' appears, allowing users to enter the number of Membership Rewards points they wish to redeem. This can cover all or part of the purchase amount.

The process does not require leaving the checkout screen or opening another app. Once the transaction is completed, the selected number of points is redeemed instantly. This integration streamlines the redemption process for American Express customers using Apple Pay.

Benefits for Cardholders

This update simplifies how American Express cardholders use their Membership Rewards points. Previously, redeeming points for purchases often involved extra steps or separate platforms. Now, users can apply points during checkout without interruptions.

The feature is available for online and in-app purchases made with Apple Pay on iPhone and iPad devices. Cardholders can choose to use points for full or partial payment, depending on their available balance and purchase amount.

Availability and Requirements

To access this feature, customers need an eligible American Express card enrolled in the Membership Rewards program. The option appears automatically when using Apple Pay for qualifying transactions online or in supported apps.

This integration aims to enhance convenience and flexibility for American Express cardholders, making it easier to use rewards points for everyday purchases through Apple Pay.