Amex Tightening Rules on Earning/Redeeming Membership Rewards Points

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American Express has updated their Membership Rewards Program Terms, which are effective November 1, 2017. The new rules relate to those earning/redeeming Membership Rewards through “misuse or gaming activity” and Amex’s right to remove these points and even canceling your Amex cards.

Amex Tightening Rules on Earning/Redeeming

It’s not exactly clear what this change is in reference to whether it’s aimed toward those receiving bonuses multiple times, or manufacture spending to earn points.


I noticed the following language in my recent Amex statement:

We are changing the language concerning fraudulent earning or use of points to make clear that we may act if we suspect abuse, misuse or gaming activity, and we are adding that we may:

  • Temporarily suspend your ability to redeem points
  • Temporarily suspend your ability to earn points

Amex is cracking down on those they suspect abusing their program, however they don’t state what exactly they consider abuse.

Detail of Changes to the Membership Rewards Program Terms & Conditions

This notice amends the Membership Rewards Program Terms & Conditions (the “Terms & Conditions”) as described below. We have the right to amend as described in the Terms & Conditions. Any terms in the Terms & Conditions conflicting with this change are replaced fully and completely. Terms not changed by this notice remain in full force and effect.

Additional Terms

Effective November 1, 2017, in the Additional Terms section of the Terms & Conditions, the first paragraph will be replaced with the following:

If we in our sole discretion determine that you have engaged in abuse, misuse or gaming in connection with earning or using points or that you may attempt to do so, we may:

  • Take away any points in your program account
  • Temporarily suspend your ability to redeem points
  • Temporarily suspend your ability to earn points
  • Cancel your program account
  • Cancel any of your American Express Cards

What are your thoughts on these changes added to Membership Rewards Program Terms? Feel free to comment below.


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