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Amex's loyalty program allows exchang for statement credits or cash back

With the Amex's loyalty program I love that they can be exchanged for statement credits or cash back, used to book travel through Amex's travel website, or transferred to any of 19 airline and three hotel transfer partners. Transferable points to me are among the most valuable features. The card earns a whopping 5x points on airfare purchased directly through the airline, as well as flights and hotels reserved through Amex Travel. It earns one point for every dollar spent elsewhere.

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