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how to use 100k amex points

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what's the best way to use 100k amex points?

it depends on where you want to go. for most people the best use of 100,000 Membership Rewards points is a transfer to an airline for a business class seat: a round trip to Japan on ANA in low season, or a one-way business seat to Europe through Air Canada Aeroplan with points to spare. if you want hotel nights, 100k points become 200,000 Hilton Honors points. gift cards and statement credits are the easy option, but they're worth a lot less.

where you can transfer Membership Rewards points

Amex transfer partners as of October 20, 2026
ProgramTypeAmex points to program points
Aer Lingus AerClubairline1:1
Aeromexico Rewardsairline5:8
Air Canada Aeroplanairline1:1
Air France/KLM Flying Blueairline1:1
ANA Mileage Clubairline1:1
Avianca LifeMilesairline1:1
British Airways Executive Clubairline1:1
Cathay Pacific Asia Milesairline5:4
Choice Privilegeshotel1:1
Delta Skymilesairline1:1
Emirates Skywardsairline5:4
Etihad Guestairline1:1
Hilton Honorshotel1:2
Iberia Plusairline1:1
JetBlue Trueblueairline5:4
Marriott Bonvoyhotel2:3
Qantas Frequent Flyerairline1:1
Qatar Airways Privilege Clubairline1:1
Singapore KrisFlyerairline1:1
Virgin Atlantic Flying Clubairline1:1

partners and ratios change, so confirm them with American Express Membership Rewards before you transfer.

great ways to use 100k Membership Rewards points

round trip business class to Japan on ANA

100,000 to 110,000 ANA miles round trip

ANA's own chart prices a round trip in business class between North America and Japan at 100,000 miles in low season, 105,000 in regular season and 110,000 in high season, on ANA-operated flights. Taxes and fuel surcharges are extra.

published award chart, checked October 20, 2026: ANA Mileage Club award chart. seats depend on availability.

business class to Europe through Air Canada Aeroplan

70,000 to 75,000 Aeroplan points one way

Aeroplan prices partner flights by distance. A one-way business class seat from North America to Europe on a partner airline like Lufthansa, Swiss or United costs 70,000 points up to 4,000 miles flown and 75,000 points from 4,001 to 6,000 miles. Taxes and fees are extra.

published award chart, checked October 20, 2026: Air Canada: 2026 update on the Aeroplan flight reward chart. seats depend on availability.

what to avoid

  • transferring before you find a seat. transfers to airlines and hotels can't be undone, so find the award first.
  • gift cards, shopping and statement credits. they're easy, but they usually get you much less than a flight or hotel transfer.
  • booking an award without comparing programs. the same seat can cost very different amounts through different partners.
  • Pay with Points at checkout. it's convenient, and it's one of the lowest value ways to spend Membership Rewards.

how travelmaxx does this for you

travelmaxx is a personal ai assistant for points, credit cards, and luxury travel. tell it where you want to go and it searches award seats across every program your cards can reach, shows what each one costs in your own points, moves the points and books the trip once you approve.