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Pay-with-Points flights. BUSINESS Centurion 50% refund, Platinum 35%, Gold 25%.

Pay-with-Points flights. BUSINESS Centurion 50% refund, Platinum 35%, Gold 25%.

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Old Mar 2, 18, 9:41 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: J.Edward
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Effective as soon as June 1, 2017 the USA Business Platinum airfare Pay-with-Points refund will be reduced to 35%. The effective date of the change will reportedly depend on when the Business Platinum card account was opened. This brings the net value to $0.0153 per point, essentially the same as Chase Sapphire Reserve's Pay-with-Points redemption rate.

USA Business Centurion cardholders will continue to receive a 50% refund. The Centurion version is also broader than the Platinum benefit:

Centurion: beginning October 6, 2016 you will get 50% Membership Rewards® points back when you use the Pay with Points feature for all or part of a flight on any airline. The maximum rebate per calendar year for Centurion members is (_______?)

Platinum: Business Platinum Card Members will receive 5 extra points for every 10 points they redeem for either a First or Business class flight on any airline, or for flights with their selected qualifying airline using Membership Rewards Pay with Points with American Express Travel (50% 35% Airline Bonus). The maximum rebate per calendar year for Business Platinum Card Members is 500,000.

FAQ (Example has been updated to reflect 35% refund

Q1. How does the process work?

A1. Here is an example, buying a $1,000.00 ticket:
  • $1,000 charged to American Express card [Day 1]
  • 100,000 Membership Rewards points redeemed [Day 1]
  • $1,000 credited to American Express card [Day 2]
  • _35,000 Membership Rewards points returned [~a month later]
  • _15,000 Membership Rewards points returned [after 10~14 additional days, IF still eligible for 50% refund]
  • Net: $1,000 ticket for 65,000 points = $0.015+/point [or 50,000 points = $0.02/point IF still eligible for 50% refund.]

Q2. Must the Business Centurion or Platinum card be used to purchase the ticket?

A2. When the benefit was refreshed in October 2016 you could pay with any card linked to the same Membership Rewards account, but it appears this changed in April 2017. (There is not good data because posting of refunds abruptly slowed from a couple of days to several weeks.)


Q3. Will I earn Membership Rewards points on the purchase price?

A3. You will not earn base points, but you may earn bonus points if you pay with a card that awards a bonus for airline ticket purchases, such as Business Platinum, Personal Platinum, Business Rewards Gold, Premier Rewards Gold.


Q4. What happens if I cancel the ticket?

A4. There are mixed reports, but in most examples the cost of the ticket is refunded (a second time) to the card account. In one example American Express refunded the remainder of the points instead.


Q5. Can this benefit be combined with the International Airline Program companion ticket?

A5. One poster was told no, but another was able to do so. IAP sells the first ticket at full price, and collects taxes and fees on the second. Begin reading HERE to understand the successful example. Read forward to at least post 282 to fully understand the arithmetic and tradeoffs versus buying discounted tickets or using mileage awards.
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Old Feb 12, 19, 4:34 pm
  #976  
 
Join Date: Feb 2000
Posts: 4,174
my last AS insider fare very recently knocked a $274 AS F DAL-LAX fare down to $254 when paid in full with points
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Colin is offline  
Old Feb 13, 19, 10:53 am
  #977  
 
Join Date: Jan 2012
Location: Bergen County NJ
Programs: UA SILVER, PP, AMEX PLAT, SPG G, HH Gold, Amtrak Select
Posts: 391
Originally Posted by holyPockets View Post
The newest concern for me is with the 35% rebate turnaround time. Initially, it was very quick. Then it increased to 31-32 days. Now data points are starting to show up thread of 6 to 10 weeks delays. I haven't yet decided if this would represent a deal breaker for this card for me. Even though, technically, each point would still be worth $1/65, it would introduce airline ticket volatility as a potential neutralizer to this benefit—especially for people who need to book multiple fares on the same flight. I'm keeping my fingers crossed that 32 days delay is still valid.



I'm still waiting on a 60,000 point rebate from September....
theboss7593 is offline  
Old Feb 13, 19, 1:46 pm
  #978  
 
Join Date: Aug 2016
Posts: 45
Originally Posted by theboss7593 View Post
I'm still waiting on a 60,000 point rebate from September....
You should call Amex (assuming you haven't already). Something is definitely wrong.
holyPockets is offline  
Old Feb 22, 19, 11:30 pm
  #979  
 
Join Date: Jan 2012
Location: Bergen County NJ
Programs: UA SILVER, PP, AMEX PLAT, SPG G, HH Gold, Amtrak Select
Posts: 391
Originally Posted by holyPockets View Post
You should call Amex (assuming you haven't already). Something is definitely wrong.
Yes, still waiting on it.. Followed up today... When I made this redemption it was over the phone since the J fare couldn't be redeemed on the online portal so I had to do it manually over the phone with rep(fee waived of course since it was showing on google flights). It was an Avianca redemption so who knows if maybe the system didn't trigger it for some reason. But it was a substantial amount of points to the tune of crediting back 100K.
theboss7593 is offline  
Old Feb 23, 19, 1:07 am
  #980  
 
Join Date: Feb 2012
Posts: 1,863
Originally Posted by theboss7593 View Post
...fee waived of course since it was showing on google flights...
Very surprising reason for the fee waiver -- thanks for sharing.
MaxVO is offline  
Old Feb 25, 19, 2:23 pm
  #981  
 
Join Date: Aug 2012
Location: Dreamland
Posts: 667
Adding a DP - 35% rebate 31 calendar days (Biz on AA booked online).
levilevi is offline  
Old Feb 25, 19, 10:38 pm
  #982  
 
Join Date: Jan 2012
Location: Bergen County NJ
Programs: UA SILVER, PP, AMEX PLAT, SPG G, HH Gold, Amtrak Select
Posts: 391
Originally Posted by MaxVO View Post
Very surprising reason for the fee waiver -- thanks for sharing.
If you can't book it via their online portal and it's showing on google flights I've always been able to get them to waive the fee. (that's why I said of course) probably have done this 4-5 times in the past 2 years so of course YMMV.
theboss7593 is offline  
Old Feb 26, 19, 12:17 am
  #983  
 
Join Date: Feb 2012
Posts: 1,863
Originally Posted by theboss7593 View Post
If you can't book it via their online portal ...
Based on the comments here and the low satisfaction with the agents, the inability to use the online portal should be a major or only reason to seek their assistance. Thus everyone should be getting the fee waiver.
MaxVO is offline  
Old Mar 2, 19, 12:27 pm
  #984  
 
Join Date: Jan 2016
Location: Queens, NY
Programs: AA, Delta, United
Posts: 17
I guess I shouldn't be worried if I booked with PWP on Feb 25 then. I got the confirmation email saying my flight booked earns 35% back but didn't mention anything about how long. I guess I'll wait it out for 30 days before I start making some noise
NYC2MNL is offline  
Old Mar 2, 19, 3:16 pm
  #985  
 
Join Date: Aug 2016
Posts: 45
Originally Posted by NYC2MNL View Post
I guess I'll wait it out for 30 days…
32 days
holyPockets is offline  
Old Mar 3, 19, 9:36 pm
  #986  
 
Join Date: Dec 2009
Location: ROC
Programs: Anything CC gives me
Posts: 1,112
If I've got an itinerary with 4 segments, 3 out of 4 segments are DL-marketed and operated, and 1 segment (first of return) being Aeromexico-marketed but DL-operated, how would that play out with the 35% rebate? Since it's likely going to be ticketed by DL I should be ok getting the full 35% on the whole ticket?

There is another identical itinerary that is all DL-marketed, but that one costs a few hundreds more.

TIA
booyaa is offline  
Old Mar 6, 19, 1:50 pm
  #987  
 
Join Date: Jan 2011
Posts: 48
Data Point - I have a Biz Plat and Gold Personal. Both tied to the same MR account. Made a purchase with my (Biz Plat) selected airline using the Personal Gold card and still received the 35% rebate. I've done this twice in 2019.

It seems Q2/A2 in the wiki is incorrect about this.
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amexman is offline  
Old Mar 17, 19, 12:55 pm
  #988  
 
Join Date: Jul 2010
Posts: 354
Originally Posted by mia View Post
This feature was added to USA Business Gold in November 2018.

Business Centurion: 50% rebate nets to $0.02/point
Business Platinum: 35% rebate nets to $0.0154/point
Business Gold: 25% rebate nets to $0.0133/point
Tried to find the answer in this thread but didn't - how does this work with the BGR as you can't select an airline...is it 25% rebate ONLY on Biz/First airfare with any airline? Is this perk advertised anywhere on AMEX or AMEX Travel's website? I can't seem to find anything official
lax01 is offline  
Old Mar 17, 19, 2:36 pm
  #989  
 
Join Date: Aug 2016
Posts: 45
I don't know if the BGR was converted to the Business Gold, but if it was, you'll have to select an airline. From the Biz Gold Benefit Terms…

"Card Member must select a qualifying airline at https://global.americanexpress.com/c.../business-gold. "

Incidentally, the annual fee difference between the Biz Plat and the Biz Gold is $300. If you are primarily going to use MR points to pay-with-points, it takes 146,250 points to break even with the 35% points back of the Plat compared to the 25% for Gold. That doesn't take into consideration the $200 air travel credit and the 2x $100 Dell credits available to Plat members. I had considered downgrading to Biz Gold but elected to stick with the Biz Plat for this reason. Of course, if that 4x points of the Biz Gold hits a spend sweet spot, then that would have to be factored in as well.
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holyPockets is offline  
Old Mar 17, 19, 5:43 pm
  #990  
 
Join Date: Jul 2010
Posts: 354
Originally Posted by holyPockets View Post
I don't know if the BGR was converted to the Business Gold, but if it was, you'll have to select an airline. From the Biz Gold Benefit Terms…

"Card Member must select a qualifying airline at https://global.americanexpress.com/c.../business-gold. "

Incidentally, the annual fee difference between the Biz Plat and the Biz Gold is $300. If you are primarily going to use MR points to pay-with-points, it takes 146,250 points to break even with the 35% points back of the Plat compared to the 25% for Gold. That doesn't take into consideration the $200 air travel credit and the 2x $100 Dell credits available to Plat members. I had considered downgrading to Biz Gold but elected to stick with the Biz Plat for this reason. Of course, if that 4x points of the Biz Gold hits a spend sweet spot, then that would have to be factored in as well.
Ah, yes, I got the BGR just before the switch over to the redesigned BG...hmm wonder if I even get this points benefit with the older version - I'm guessing no
lax01 is offline  

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