You put the $200 expense on your personal Credit Card and then use the Amex App to split up the amount and send out requests via Venmo and PayPal. The best part? You’ll get all the rewards you’d typically earn for the purchase – regardless of whether you earn Membership Rewards ® Points, miles, hotel points, or cash back.įor example, imagine you and nine of your co-workers go out to lunch. When those users pay you back, you can choose to get paid back directly to your Card Account as a statement credit, or to your linked Venmo or PayPal account. However, it’s important to remember that you won’t earn rewards when adding money to your Send Account.Ĭard Members can also seamlessly split their Amex Card purchases with other Venmo and PayPal users. Most American Express Card Members can add up to $2,000, whereas those with The Platinum Card ® may add as much as $4,000, and those with The Centurion ® Card can add up to $5,000. Note that there are limits to the amount you can put on your Send Account. PayPal may charge for transactions outside the United States, however. Considering that fees are generally 3%, that can add up to notable savings – especially if you’re often paying back friends and family for dinner, drinks, or other purchases. Any balance loaded to your Send Account appears as a charge on your Credit Card and is subject to the APR of other purchases on your billing statement – in other words, it’s not treated as a cash advance, and you won’t have to pay cash advance fees.Īnd more good news – you won’t incur the standard credit card fees charged by Venmo or PayPal. You can then add money from your American Express Card to your “Amex Send ® Account” and then send that money to Venmo or PayPal users of your choosing. First, you’ll need to enroll in Send & Split ®, which can be found in the “Account” tab of the Amex App. Yes! Eligible Card Members can use the American Express App to send money to any Venmo or PayPal user.
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