Amex allows free Membership Rewards point transfer from deceased cardholder


This is a grim topic, but very good to know.  If a person with Amex Membership Rewards points dies, the executor of the estate or an authorized account manager can request to transfer the deceased person’s Membership Rewards points to another person or to redeem points in any other way (e.g. transfer to loyalty program, redeem for gift cards, etc.).

Full details about Amex’s policy for managing deceased accounts can be found here.

A couple of years ago I had to deal with a situation where a family member with Membership Rewards points died and I was the executor of the estate.  I wasn’t aware of Amex’s policy and didn’t think to look it up or inquire.  Instead, since I was an authorized user on one of his accounts, I was able to transfer points to a loyalty program in my name.  If I had know that keeping transferable points intact was an option I definitely would have done that instead.

I’ve added this nugget of wisdom to our Guide to Amex Membership Rewards.

Hat Tip: Larry via Frequent Miler Insiders.

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