When you use points for your charges, you are using points towards specific, eligible charges.
Who can use points for eligible charges
To use points for eligible charges, you must:
Account managers, Additional Cardmembers, Authorized Additional Cardmembers, and Corporate Cardmembers are not eligible.
Available Charges
American Express will present the eligible charges you can use points towards, and we may change which charges are eligible at any time without notice. American Express is under no obligation to make charges available for redemption using Membership Rewards points.
Generally, these charges meet the following criteria:
How to Use Points for Your Charges
When you use points for an eligible charge, the points will be deducted immediately from your program account, and an accompanying credit will be applied to your Linked Card Account within 48 hours. You may use points only toward the entire amount of an eligible charge.
If a credit is processed after your Card Account’s statement closing date, it will appear in your next statement. In any case, you are responsible for paying the full amount due on your Card statement by the due date.