The adjustments were made on November 9, 2026, affecting cardmembers who had canceled at least one American Express card and still held another. In an email, the issuer said points linked to a closed card had to be redeemed within 30 days of cancellation; anything remaining after that period could be forfeited under program terms. It said the points remained in the shared account because of a technical issue.
The company said it corrected the problem and recalculated balances under its terms. The changes came as American Express prepared a system in which points would no longer be pooled, effective November 15, 2026. The earlier setup combined points from multiple cards in a shared Membership Rewards account, making card-specific balances difficult for customers to identify when redeeming.
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