WalletFlo is now Flo. Same app, same account, new name.

American Express Membership Rewards

Flexible bank points with strong transfer partners. Best value via airline and hotel transfers.

Point value
BANK POINTS

$1.00¢

AVG/PT

Flo's average value for one American Express Membership Rewards point, across the redemptions the engine prices. Transfers to airline and hotel partners sit above it; cash back and portal bookings sit below.

3 transfer partners listed below, with the ratio Flo prices each at.

Transfer partners

  • Delta SkyMiles1:1
  • ANA Mileage Club1:1
  • Marriott Bonvoy1:1
Transfer calculator
Transfer ratio

Transfer partners unavailable right now.

Cards that earn these points

  • American Express

    Amex Gold

    • 8% cash back
    • $120 Dining Credit
    • 60,000 Membership Rewards points
    • Dining
    • Good
    • Charge
    Fee
    $325
    Est. Value /year
    $350 – $800
    Apply now
  • American Express

    Amex Platinum

    • 10% cash back
    • $240 Digital Entertainment
    • 80,000 Membership Rewards points
    • Travel
    • Good
    • Charge
    Fee
    $895
    Est. Value /year
    $0 – $1,500
    Apply now

How Flo values points

The average above is what Flo pays a point across the redemptions the OneCard engine can actually price — not a headline number taken from the issuer, and not the best case you could reach on one lucky award chart.

Transfers to airline and hotel partners usually sit above it, cash back and portal bookings below. Use the calculator to price a real balance against a specific partner rather than the average.