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Membership Rewards
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Your top 2 categories each billing cycle | 4× | $150k/yr combined across the 4× categories, then 1× | Chosen automatically by your spend from: airfare bought direct from airlines, US gas stations, US restaurants, US advertising in select media, US shipping, and US software & cloud system providers |
| Travel — Airfare (Amex Travel) | 3× | — | Flights booked via Amex Travel |
As high as 200,000 points
Membership Rewards
As high as 200,000 Membership Rewards points after $15,000 in purchases in the first 3 months. Offer varies by applicant.
Uses the workbook’s 2¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Amex once-per-lifetime
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Headline maximum via referral/public links in Oct 2026 roundups.
Offer type, as listed: Public — as high as