Amazon Pay With Points Offers: Amex, Chase, Citi, Capital One & More [Updated]

NEW October 2026 Amex and Citi Offers:

Redeem American Express Membership Rewards points for 50% off up to $50 (10/1–12/31) if you’re an eligible Prime customer redeeming points for the first time or for 15% off up to $15 if you’re an eligible active points user (10/1–12/31).

Citi is also back with targeted offers. I just got 20% off up to $15 by spending 125 Citi ThankYou points.

Links below!

One of my favorite little credit card tricks is getting targeted by Amazon for an offer where using a tiny number of rewards points triggers a much bigger discount.

These are generally called Amazon Pay With Points or Shop With Points offers. Around here, we’ve always called them “Pay One Point” deals because historically many of them required using just one rewards point.

That’s changed a bit. Some newer offers require 125 points, 714 points, 1,429 points, 625 miles, or another minimum amount.

The basic strategy hasn’t changed: use the minimum number of points the offer requires to unlock the discount. Redeeming points for Amazon merchandise without one of these promotions is generally a poor value.

Current Amazon Pay With Points Offer Links

These offers are targeted. Two people can click the same link and see completely different offers — or one can see an offer while the other sees nothing.

Here’s where to check your account:

• American Express Membership Rewards: Check your Amex Amazon offer — targeted offers are currently being reported.
• American Express Reward Dollars: Check your Reward Dollars Amazon offer — targeted offers are currently being reported.
• Citi ThankYou: Check your Citi Amazon offer.
• Capital One: Check your Capital One Amazon offer.
• Chase Ultimate Rewards: Check your Chase Amazon offer.
• U.S. Bank: Check your U.S. Bank Amazon offer.
• Discover: Check your Discover Amazon offer.

Don’t see an offer? That doesn’t necessarily mean the link is dead. It usually just means you aren’t targeted right now. These offers come and go, so bookmark this page and check again.

And if you see an offer I haven’t mentioned here, please leave a comment. That’s often how I find out a new round has gone live!

How Do Amazon Pay With Points Offers Work?

Amazon allows several credit card rewards programs to be linked through Shop With Points.

Normally, I wouldn’t recommend using valuable transferable points to buy merchandise on Amazon. You can generally do much better using Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Points, or Capital One miles for travel.

If you’re deciding what else you can do with those points, the Credit Card Transfer Partner Matrix at Your Best Credit Cards shows where each transferable currency can go. It’s also worth checking the current credit card transfer bonuses before moving points anywhere.

But Amazon Pay With Points promotions are different.

If Amazon gives you, say, $40 or $60 off for using a small number of points, I’m perfectly happy sacrificing those points to unlock the much larger discount.

American Express Membership Rewards Amazon Offers

Amex Membership Rewards offers are probably the Amazon Pay With Points deals I see most often.

See if you are targeted.

As of this September 2026 update, targeted Amex Membership Rewards Amazon offers are currently being reported. The exact discount and minimum number of points required varies by account.

For years, many of these deals required just one Membership Rewards point. More recently we’ve seen versions requiring 714 points, 1,429 points, and other minimum amounts.

Here’s one version of an offer we’ve seen:

And here’s an example of the newer style requiring more points:

I will still use one of these if the math works. Giving up roughly $10-$20 worth of points to save $60 can obviously still make sense.

It does mean you have to pay attention to the terms. With the old one-point versions you could often spread the discount over multiple purchases. That’s not necessarily true when an offer requires hundreds or thousands of points.

Confused about whether your Amex “714 points” offer — or something similar — makes sense to use? I break it down here.

American Express Reward Dollars Amazon Offers

If you have an Amex card earning Reward Dollars instead of Membership Rewards® points, Amazon also runs targeted offers for those cards.

You can check here to see if you are targeted for an offer.

Targeted Reward Dollars offers are also currently being reported as of this update.

As always, read the offer on your own account carefully because the discount, maximum savings, and amount of Reward Dollars required can vary.

Citi ThankYou Amazon Offers

See if you are targeted.

The late-2025 Citi offer requiring 125 ThankYou Points has expired, so I’m no longer labeling that specific deal as active.

But Amazon has brought Citi Pay With Points promotions back before, and this remains the link to check when you want to see whether your account is targeted for a current Citi Amazon offer.

Capital One Amazon Offers

See if you are targeted here.

Some Capital One Amazon offers we’ve seen have required 625 miles rather than one mile.

So don’t take the “Pay One Point” nickname literally. Always use the minimum number of miles your specific offer requires.

Chase Ultimate Rewards Amazon Offers

See if you are targeted.

Chase Amazon Pay With Points deals have historically varied by account.

I don’t have a current Chase promotion that I can independently verify as broadly circulating today, so I’m not going to pretend one is live just to make this page look fresher than it is.

Click the link while logged into Amazon and you’ll know whether there’s something available for your account.

U.S. Bank Amazon Offers

See if you are targeted here.

As with the others, eligibility is targeted and can change.

Discover Amazon Offers

See if you are targeted.

The Discover offer that was circulating earlier in 2026 has expired, so I’ve removed the old “last reported active” language.

That doesn’t mean Discover won’t run another one. Check the link to see what’s available for your Amazon account.

Why Don’t I See an Amazon Pay With Points Offer?

Because these deals are targeted.

You can have the correct rewards card linked to Amazon, click a perfectly valid promotional link, and still get nothing. And sometimes it literally gives you an almost blank page. 

Someone else may click that exact same link and see a significant discount.

That’s normal.

Your eligibility can also change, so if you aren’t targeted today, it’s worth checking again later — especially around major Amazon shopping events or before a large purchase.

Some readers have reported that unlinking a card and relinking it a day or two later can sometimes help trigger an offer.

What Can You Buy With an Amazon Pay With Points Offer?

Eligible products are items that can be purchased using Shop With Points at checkout at Amazon.com.

That’s broader than the old rules that required an item to be shipped and sold by Amazon.com. (HT: Jeff G.)

However, the exact restrictions can vary by promotion, and gift-card eligibility in particular has changed from offer to offer.

The safest rule is simple: make sure you can actually see the promotional discount on the checkout page before submitting your order.

How to Use an Amazon Pay With Points Offer at Checkout

First, activate the targeted offer and make sure the applicable Amex / Chase / Citi / Capital One / Discover / U.S. Bank card is linked to Amazon.

Then, at checkout, select that card as the payment method.

Amazon may default to using points for the whole purchase.

Change that.

Use only the minimum number of points required by your specific offer.

For an old-school one-point offer, that’s literally one point. If your offer requires 714 Membership Rewards points, 1,429 points, 625 Capital One miles, or some other amount, use whatever minimum your terms specify.

If everything was done properly, you should see the discount reflected before completing checkout.

IMPORTANT: The next time you check out, make sure Amazon isn’t still set to pay with points. Amazon can remember that payment choice, and you don’t want to accidentally redeem a pile of valuable points for merchandise at a poor rate.

Are Amazon Pay With Points Offers Worth It?

Usually, yes — when you’re giving up a small amount of points to unlock a much larger discount.

One point to save $20, $40, $60, or more? Obviously.

Once an offer starts requiring hundreds or thousands of points, you need to do the math.

That’s especially true for transferable points because the alternative isn’t just cash back. Those points may be worth substantially more when transferred to an airline or hotel program.

Again, you can use the Transfer Partner Matrix to see all of your transfer options and the current transfer bonuses to see whether there’s an opportunity to get even more value.

How Often Do New Amazon Pay With Points Offers Appear?

There’s no reliable schedule.

Amazon often runs them around major shopping events, but I’ve also seen targeted offers appear seemingly at random.

That’s why I’ve maintained this page as a running compilation rather than creating a new page every time an issuer launches another targeted offer.

Bookmark it and check again periodically.

And if you find a new offer before I do, let me know in the comments!

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Questions?

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.