American Express is integrating its Membership Rewards program directly into the Apple Pay checkout process. Users can now redeem points for purchases on the web and within mobile apps on iPhone and iPad. This update streamlines the payment experience by allowing customers to cover all or part of a transaction without leaving the checkout screen.

To use this feature, customers must run iOS 18 or iPadOS 18 or later. After selecting an eligible card, such as a Platinum or Gold account, users simply select the points option during payment. The system calculates the value automatically, providing a seamless way to spend earned rewards during routine mobile shopping.

Redemption math is straightforward for cardholders. Every 10,000 points used through this Apple Pay flow provides a $70 statement credit. This integration removes the friction of logging into separate portals or managing multiple apps to redeem rewards. It effectively turns accumulated points into instant digital currency for mobile and web commerce.