Maximise your Avios, air miles and hotel points

Can you transfer Amex Membership Rewards to someone when you cancel? Er, ‘Yes’.

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Until early 2013, American Express allowed you to transfer your Membership Rewards points to someone else, at any time, for a £15 fee.  This option no longer exists.

However ….

The terms and conditions of the Gold and Platinum cards (PDF) explicitly allow you to transfer your points to another person when you close your account.

Amex Gold 350

Here is the wording:

If you end your Card Account agreement and there are no other Linked Cards on your Points Account, or if you end these Terms and Conditions, you will have 30 days from the date you request this to redeem your Points. You can also transfer them to another Points Account, including transferring to a Points Account held by someone else (for a fee that we will inform you of at the time). If you do not transfer or redeem your Points within 30 days, they will be forfeited.

Before I carry on, let me give you the back story to this article.

Whilst this clause exists in the Terms & Conditions for the Gold and Platinum cards, I think it is not meant to be there.

My understanding is that Amex intended to remove this feature when they stopped allowing transfers of any kind back in 2013.  Every so often, a Head for Points readers tries to get American Express to move their Membership Rewards points to someone else when closing the card.

The agent usually refuses.  When escalated to a supervisor, the supervisor also refuses.  In the past, some readers have had to make a complaint to FOS, the Ombudsman service, to make American Express stick to their own published terms and conditions – conditions which are still on their website, remember.  If you go to FOS – and the instructions are also in the terms and conditions – it will get done.

I first wrote about this back in October 2013.  Amazingly, for the last 40 months, Amex has not changed their Terms & Conditions to remove this clause, even though they were updated in December 2014.

Amex has continued to refuse to transfer Membership Rewards points when you request it upon card closure, obliging you to make a formal complaint.  However, there may be some movement on this issue.

A reader recently had the same debate with American Express that I outlined above:

he asked the agent to transfer his points (he was closing his card) to his wife – refused

he escalated to a supervisor – refused

he made a formal complaint to Amex (it was never escalated to FOS) – success

What is more interesting, though, is what he was told told.  Whilst a manager told the reader that it WAS a mistake to leave this in T&C’s originally, Amex had decided at some point to leave it in.  They forgot, however, to tell the call centre which is why agents refused to do transfers.  He was then told that all call centre agents were being sent a memo to remind them that MR points CAN be transferred to a third party (not necessarily at the same address) on closure.

In general, I have always said on HfP that you must empty your Membership Rewards account when you close your card.  This was the best course of action.  It simply wasn’t worth, in my view, going down the road of pushing it with Amex, wrecking your reputation with them and then escalating it with the Ombudsman.  Life was too short.  If agents genuinely have been a sent a memo telling them to allow transfers on closure without a fight, however, I will change my advice.


Want to earn more points from credit cards? – May 2021 update

If you are looking to apply for a new credit or charge card, here are our May 2021 recommendations based on the current sign-up bonus

If you have your own business, don’t miss our EXCLUSIVE offer on the Capital On Tap Business Rewards Visa card, worth 29,900 Avios. See below.

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the other top current deals:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and the most generous non-Amex for day to day spending Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers.

Until 20th May 2021, you can receive a sign-up bonus worth 29,900 Avios with the Capital On Tap Business Rewards Visa credit card. This offer is exclusive to Head for Points readers. Click here to learn more.

Amex American Express Business Gold card

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

Earn both Avios and BA On Business points with your business spending Read our full review

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

Disclaimer: Head for Points is a journalistic website. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. Recommendations are based primarily on the ability to earn miles and points and do not consider interest rates, service levels or any impact on your credit history.  By recommending credit cards on this site, I am – technically – acting as a credit broker.  Robert Burgess, trading as Head for Points, is regulated and authorised by the Financial Conduct Authority to act as a credit broker.

Comments (54)

  • Nick says:

    How long does it take for the bonus 10k to show on the account? One agent said 7 days the other said 28 days then also said if I get the 10k bonus then cancel the card as quick as sat a couple of days after the bonus points then they will take the 10k points back off me!!! Really?!

  • Ian says:

    Both our avios accounts have been disabled.

    Just us or more people affected?

    • Andrew* says:

      +1. Problems seem to start yesterday morning.

    • Scallder says:

      Accounts seem to be ok however combine my Avios seems to not be working for me. Tried moving avios.com to BAEC but on both accounts I got the same error message asking me to log in again

  • James1234 says:

    Is there a website that will tell me how many miles and charges I need for each airline for say a business class redemption to Dubai, curious which airline needs the least Amex points before I cancel my card.

  • Mud Island Mlungu says:

    OT – is BA going to be doing any December flight specials to sunnier climes. LHR – SA is still floating around the £1.5-£1-7k each return. Nearly 3 times the prices at this time last year.

  • Pablo says:

    Looks like the memo must have been sent. Tried this today on my Platinum card and no questions asked whatsoever just a quick whats the name and card number you want to transfer to.

    I was even asked to return at any point after 6 months to be eligible for bonus points!

  • Raj says:

    Tried to transfer points to another MR and said no after long check (presumably with manager/colleague). Rang again and explained want to cancel the account and transfer points – said yes straight away – he said you can transfer if cancelling the card.

    Result!

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