American Express now lets cardholders spend Membership Rewards points directly through Apple Pay. Starting today, users can tap “Use Rewards” during any Apple Pay checkout, whether online or in stores, and apply points to cover all or part of the purchase. The move plugs a long‑standing gap in the rewards ecosystem for cardholders everyday transactions.

To redeem, shoppers select Apple Pay at checkout, choose an eligible American Express Membership Rewards card, then hit “Use Rewards” and enter the desired amount. The transaction completes without leaving the payment screen, and Apple strips any user‑linked data. The feature arrives as Apple Pay’s share of mobile payments climbs past 30 % of U.S. transactions today.

Offering points via Apple Pay simplifies redemption for millions of AmEx members who already use the wallet. It also signals a shift toward seamless rewards integration across payment platforms, a trend that could prompt competitors to add similar options. The integration means consumers can now spend points without extra steps, enhancing the appeal of both services.