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Using America Express to pay PayPal is a straightforward process, and you can do it in just a few steps.
First, ensure you have a PayPal account and an America Express card linked to it. You can do this by logging into your PayPal account and adding your America Express card information.
To link your America Express card, you'll need to provide the card number, expiration date, and security code. This information is required for the payment process to be secure.
Once your America Express card is linked, you can use it to make payments on PayPal.
Paying with Amex
You can now pay your American Express card off using balances that you have on PayPal or Venmo.
This is a game-changer for group purchases, like buying dinner for friends and having them pay you back on Venmo.
Amex Account Fees
Paying with American Express can come with some fees, so it's essential to understand what you're getting into. The American Express foreign transaction fee is 2.7% of each transaction, which can add up quickly.
You can avoid this fee by using your American Express card for US dollar transactions.
The American Express late payment fee is up to $38, so be sure to pay your bill on time.
If you're looking to avoid this fee, set up automatic payments or pay your bill before the due date.
Rewards and Points
You can earn rewards for purchases you split with your American Express Card, just like you would for other purchases. The reward program details can be found in your Card Member Agreement or Membership Rewards program Terms and Conditions.
To use American Express Membership Rewards points at PayPal, you need to add your Amex Membership Rewards card to your PayPal wallet and select it as your preferred method of payment. You can then nominate whether to pay using dollars or points.
Every 1,000 Membership Rewards points you spend gets you a $5 statement credit, making it a convenient way to put your points to good use. This is especially useful during the holiday season when you can use your points to treat yourself or loved ones.
You can use as few as 1,000 Membership Rewards points per PayPal transaction, making any PayPal payment of $5 or more an opportunity to spend your points.
Rewards for Split Purchases
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You'll earn rewards for purchases that you split, just like you would for other purchases made with your Card.
The rewards are earned in the same way as other purchases, so check your Card Member Agreement or Membership Rewards program Terms and Conditions for more details.
You can earn rewards on split purchases, which is a great perk of using the Send & Split feature.
However, you do need to enroll in the Amex App and link your Venmo and/or PayPal account to use Send & Split.
Here's a quick rundown of how to use Send & Split and earn rewards:
Feature | Description |
---|---|
Send | Send money to any other Venmo or PayPal user. |
Split | Split your American Express Card purchases with any other Venmo or PayPal user(s) and get paid back directly to your Card as a statement credit. |
Using Membership Rewards Points
You can use your Membership Rewards points to treat yourself or your loved ones during the holiday season, or any time you want to use your points.
To start, add your Amex Membership Rewards card to your PayPal wallet, if it isn't already linked up. This will allow you to use your points when making a PayPal transaction.
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Selecting your Amex card as your preferred method of payment when completing a PayPal transaction is the next step. This brings added convenience to using your points.
You can use as few as 1,000 Membership Rewards points per PayPal transaction, which means any PayPal payment of $5 or more can become an avenue to spend your points.
Your Amex card will still be charged as normal in the full dollar amount, but if you're using points, a statement credit will shortly follow. This will offset the price of the purchase, and you can expect the credit within two to four days of your transaction.
Only Primary Card Members can spend points through PayPal – Additional Card Members cannot.
Using PayPal
To use PayPal with your American Express card, you'll first need to add your card to your PayPal wallet. This can be done on PayPal's website by navigating to "Wallet", clicking "Add a Card", and inputting your Amex details.
If PayPal isn't showing your American Express card, you can click "Change" to select a different payment source – in this case, your Amex card.
To complete the payment, click the "Checkout" button at the bottom of the page, and the funds will be taken from your PayPal account, which will charge your American Express card.
You can also use the American Express App to link your Venmo and/or PayPal account, giving you access to Send & Split features.
Amex Integration
You can now send money directly from the AMEX Mobile app to friends and family who use PayPal or Venmo.
This integration is a game-changer for group outings, like paying for dinner and having friends reimburse you on Venmo.
Frequently Asked Questions
Is PayPal stopping American Express?
No, PayPal is not stopping American Express, but you'll need to use the PayPal option at checkout to pay with Amex on eBay.
Do I get Amex points if I pay through PayPal?
Yes, you earn Amex points on the entire purchase value, even when paying through PayPal
Sources
- https://www.americanexpress.com/us/services/amex-peer-to-peer/send-and-split/frequently-asked-questions/
- https://money.stackexchange.com/questions/132872/sending-money-to-friends-via-amex-with-paypal-uk
- https://www.pointhacks.com.au/american-express/membership-rewards-paypal/
- https://help.smarterqueue.com/article/564-how-to-pay-with-american-express
- https://millionmilesecrets.com/news/american-express-paypal-partnership/
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