MaxInsights offers a numerical analysis and recommendation of how to best use this reward system.
Plenti is a unique program in that its linkage feature boosts both its flexibility and its value, and its points can be worth up to 4.5 cents apiece if you link wisely and time point transfers well.
- MaxValue Triple
- MaxFlex Standard redemption (1 cent per point)
- Expected Value 1 cent per point
American Express’s Plenti loyalty program offers rewards across several merchant and retail partners, including Exxon/Mobil, Hulu, AT&T, Rite Aid, Macy’s, Expedia, and more. The program enables Plenti cardholders to redeem points at many of the retailers where you can earn them (i.e. through both regular purchases and special offers that you can activate before shopping), almost always for 1 cent per point. The most interesting facet of Plenti is that you can double- or triple-dip when earning points by linking other credit cards, rewards programs, and coupons to the program. When linked, the Plenti program acts as a conduit for the other card/program, enabling you to earn points up to twice or three times over. Finally, some partners offer particularly compelling offers: with Rite Aid, members can earn up to 20% off.
What exactly are the points worth?
For nearly all intents and purposes, points earned through Plenti are worth 1 cent apiece, though this can multiply based on your account linkages, as mentioned above. Plenti points can be transferred to Amex’s Membership Rewards program at a 1:1 rate, though occasional promotions enable you to boost the value of your points by as much as 50 percent.