Use Pay With Points When You Travel

Now you can use your American Express Membership Reward Points to pay for your vacation.


But you must use your OFFICIAL American Express® Travel Representative... LIKE US !

Yep! You read that right. With the new Pay with Points program, you can use your points to fly on any airline free of blackout dates or restrictions. As before, the number of points needed for the redemption will vary based on the cost of the desired travel. But you must use your OFFICIAL American Express® Travel Representative... LIKE US !

The best part of the new program is that you can choose to pay with points for all or just part of your travel selection. Which means, if you haven't quite amassed enough points, you can use what points you do have to further discount your business and first class international airfare.

But now you can use points to purchase cruises, tours or stays at your favorite resort!

While, again, you can apply a partial payment to your total bill in points. Please keep in mind that business & first class airfare and luxury travel packages will require hundreds of thousands of points, per person, and greatly depend on the distance and particulars of the intended travel.

More Questions? Give us a call to speak with one of our agents directly: 1-800-470-2020.


Frequently Asked Questions...

1. What is Pay with Points (PWP)? Pay with Points allows you to redeem your American Express® Membership Rewards® (MR) points for payment of any Cruise, Tour, or Air vacation. You must simply inform the Cook American Express® Travel Representative agent that you wish to apply your points to your travel and with the account and card information you will then provide, the two of you will be able to successfully credit your purchase.

2. How often can I use PWP? Cardholders can use the PWP option as often as they travel, as long as they have points in the MR account to use.

3. Is there a minimum amount of points that a card holder is required to use? Yes, 1,000 points is the minimum point deduction allowed.

4. What is the timeline for PWP to reach my American Express® credit card? The deduction and credit process to your account occurs after payment has been applied and the Agency Services desk (ASD) requests a point transfer. In most cases, the credit will be applied to the account within 7 days (often within 2 days). Depending on your card's cycle, the application of the credit may carry over to the following cycle.

5. My American Express® card was issued in Canada-- is it eligible for PWP? Only US issued cards are eligible for the Pay with Points option.

6. How many points will I need to reach a specific dollar amount? There are different point-per-dollar ratios depending on the product you are using (air, tour, or cruise). When making a booking inquiry or reservation, your agent will be able to give you a definite conversion rate depending on the nature of your travel.

7. I know I can use PWP for air, tour, and cruise, but what about hotel and car? Only pre-paid vacations are eligible for PWP. Since some car rental and some hotel stays are not pre-paid, they do not qualify for PWP.

More Questions? Give us a call to speak with one of our agents directly: 1-800-470-2020.



Membership Rewards® Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards® program enrolled Card account you designate will be charged for your purchase. Membership Rewards® points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount.

If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Permitted returns of Pay with Points redemption's that result in a credit on your Card account will result in a point deduction on your Membership Rewards program account.

These points can be retrieved by calling the Membership Rewards program. Terms and Conditions of the Membership Rewards program apply and are available at