June 24, 2024

American Specific Membership Rewards® Factors and Chase Final Rewards® are one of the best—and the most well-liked—versatile rewards applications amongst journey lovers, and it is simple to see why. Factors from each applications switch to an array of airline and lodge companions that permit customers get extra worth with every redemption, and cardholders also can use their factors to guide journey by a portal.

Amex factors and Chase factors additionally supply different versatile redemption choices, similar to assertion credit and present playing cards, albeit at various charges. Every program additionally comes with a selection of rewards bank cards that permit customers earn beneficiant sign-up bonuses and factors for every greenback they spend.

On the finish of the day, you may wish to examine these applications based mostly on their factors values, switch companions, and redemption choices earlier than you focus all of your card spending on both one. This in-depth information does precisely that. Learn on to find out how these dynamic applications examine in all of the classes that matter most.

Key insights

  • Amex factors and Chase factors could be earned through bank card spending, and eligible playing cards from each issuers are geared to customers with good-to-excellent credit score.
  • Amex Membership Rewards are finest for critical vacationers who don’t have any intention of redeeming their factors for non-travel choices, whereas Chase factors work for individuals who journey but in addition love money again. 
  • Individuals who largely journey within the U.S. might wish to deal with Chase factors because of the program’s switch companions, whereas worldwide vacationers typically favor Amex.
  • If you cannot resolve between Amex and Chase, you are able to do what many different frequent vacationers do—earn factors in each applications without delay.

American Specific Membership Rewards Factors vs. Chase Final Rewards Factors

While you begin to examine Amex factors to Chase factors, you may discover pretty shortly that each rewards currencies have a number of issues in frequent:

  • Each American Specific Membership Rewards factors and Chase Final Rewards factors are earned through bank card spending.
  • Each applications supply lower-tier journey bank cards and premium journey bank cards.
  • Every program has its personal number of frequent flyer and lodge loyalty companions, and a few of these companions overlap.
  • You should utilize each kinds of rewards for assertion credit, present playing cards, and different versatile choices. Whether or not you must is a wholly totally different difficulty.

Incomes factors with bank cards

As we talked about, each Amex and Chase supply a number of bank cards that earn factors of their applications. Nevertheless, there are extra American Specific bank cards generally, in addition to choices with no annual charge. For probably the most half, that is what units Amex other than Chase within the point-earning realm. You can’t earn Chase factors that switch on to its airline and lodge companions with out paying an annual charge for the 12 months.

That stated, the small print get slightly murky. You’ll be able to earn factors with a no-annual-fee Chase card and switch them to companions when you pair your card with one in every of its journey bank cards. For instance, you possibly can earn money again with the card_name or Chase Freedom Flex, pool your rewards in your card_name or card_name account, then use your factors for superior journey redemptions.

With all these particulars in thoughts, listed below are the playing cards from each applications that earn factors that switch on their very own (without having to pair with one other card):

American Specific Membership Rewards bank cards

2X factors on as much as $6,000 spent at U.S. supermarkets per 12 months (then 1X factors)

1X factors on different purchases

Earn 20% extra factors whenever you use your card 20 or extra instances in a billing interval

Phrases Apply.

3X factors on as much as $6,000 spent at U.S. supermarkets per 12 months (then 1X factors)

2X factors on fuel at U.S. fuel stations

1X factors on different purchases

Earn 50% extra factors whenever you use your card 30 or extra instances in a billing interval

Phrases Apply.

3X factors at eating places, together with takeout and supply within the U.S.

3X factors on transit

3X factors on journey

1X factors on different purchases

Phrases Apply.

2X factors on as much as $50,000 in purchases per 12 months

1X factors on different purchases

Phrases Apply.

4X factors at eating places worldwide

4X factors on as much as $25,000 spent at U.S. supermarkets every year

3X factors on flights booked with airways or by AmexTravel.com

1X factors on different purchases

Phrases Apply.

4X factors on as much as $150,000 in mixed spending in two prime enterprise spending classes per billing cycle every year

1X factors on different purchases

Phrases Apply.

5X factors on as much as $500,000 spent on airfare booked with airways and flights and pay as you go motels booked by American Specific Journey (per calendar 12 months)

2X factors on different eligible journey booked by American Specific Journey

1X factors on all different purchases

Phrases Apply.

5X factors on flights and pay as you go motels booked by AmexTravel.com

1.5X factors on purchases in key enterprise classes

1.5X factors on purchases of $5,000 or extra (on as much as $2 million of those purchases per calendar 12 months)

1X factors on all different purchases

Phrases Apply.

Chase Final Rewards bank cards

5X factors on journey by Chase Final Rewards® excluding lodge purchases that qualify for the $50 Annual Final Rewards Resort Credit score

5X factors on Lyft Rides by March 31, 2025

3X factors on eating (together with eligible supply and takeout), selectstreaming providers and on-line grocery purchases (excluding Walmart, Goal and wholesale golf equipment)

2X factors on different journey purchases

1X factors on all different purchases

10X factors on Chase Eating purchases, lodge stays and automotive leases (after the primary $300 is spent on journey purchases yearly) by Chase Final Rewards®

10X factors on Lyft purchases by March 31, 2025

5X factors on airfare booked by Chase Final Rewards

3X factors on different journey and eating purchases

1X factors on all different purchases

3X factors on as much as $150,000 in spending in eligible enterprise classes every account anniversary 12 months (then 1X factors)

1X factors on all different purchases

Professional Tip: Not all Amex bank cards earn Membership Rewards factors, simply as not all Chase playing cards earn transferable factors. Be sure you know which playing cards supply these rewards earlier than you apply.

Switch companions

Usually talking, each Amex factors and Chase factors could be value roughly 2 cents every when redeemed for journey with switch companions. After all, you may get outsized worth in particular instances. If you’ll be able to switch factors to an airline associate for a world flight in a Enterprise or First-class cabin, for instance, it isn’t unusual to get 3 to five cents per level in worth or much more.

In the meanwhile, Amex Membership Rewards has 20 switch companions and Chase has 14 switch companions. This is a rundown of the switch companions of each of those applications, plus their respective switch ratios.

Chase switch companions (all switch at a 1:1 ratio)

  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • Air France (Flying Blue) 
  • British Airways Govt Membership
  • Emirates Skywards
  • Flying Blue Air France KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airways KrisFlyer
  • Southwest Airways Speedy Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Membership
  • IHG  One Rewards
  • Marriott Bonvoy
  • World of Hyatt

Amex switch companions

  • Aer Lingus AerClub (1:1)
  • Aeromexico (1:1.6)
  • Air Canada Aeroplan (1:1)
  • Air France KLM (Flying Blue) (1:1)
  • ANA Mileage Membership (1:1)
  • Avianca LifeMiles (1:1)
  • British Airways Govt Membership (1:1)
  • Cathay Pacific  (1:1)
  • Delta SkyMiles  (1:1)
  • Emirates Skywards (1:1)
  • Etihad Visitor (1:1)
  • Hawaiian Miles (1:1)
  • Iberia Plus (1:1)
  • JetBlue TrueBlue (2.5:2)
  • Qantas Frequent Flyer  (1:1)
  • Singapore Airways KrisFlyer (1:1)
  • Virgin Atlantic Flying Membership (1:1)
  • Alternative Privileges (1:1)
  • Hilton Honors (1:2)
  • Marriott Bonvoy (1:1)

Redemption fee for journey purchases

Each Amex factors and Chase factors can be utilized to guide journey by their respective journey portals, but Chase comes out forward on this class for extra causes than one.

That is as a result of the three Chase playing cards supply 25% to 50% extra worth for factors whenever you redeem them for journey bookings by Chase. The truth is, the card_name offers you 50% extra worth whenever you redeem for airfare, motels, rental automobiles and extra, and the card_name and card_name provide you with 25% extra worth. 

As you possibly can see within the screenshot beneath from my card_name account, a lodge reserving on the Park Hyatt Chicago that will value $661 together with taxes by Chase would solely set you again 44,024 factors.


Park Hyatt Chicago

On the flipside, Amex factors are value one cent every when redeemed for airfare by AmexTravel.com. Nevertheless, you may solely get 0.7 cents per level in worth for motels, cruises and rental automobiles.


Amex point values

Journey portals

Each Chase and American Specific have their very own journey portals that allow you to guide journey immediately with factors. Each portals are comparable in that they allow you to guide journey with factors, money, or a mixture of the 2.

AmexTravel.com

The Amex journey portal permits you to seamlessly guide airfare, motels, trip packages, rental automobiles, and cruises utilizing your factors. We already famous how you may get one cent per level in journey when you redeem your Amex factors for airfare, however that you’re going to solely get round 0.7 cents per level in worth for choices like cruises, motels and rental automobiles.

American Specific additionally has the Fantastic Motels + Resorts program that is solely for Amex Platinum cardmembers. This program permits you to use factors, money or a mixture of the 2 to guide unique, luxurious properties that include added perks similar to free breakfast and room upgrades (based mostly on availability).

Chase journey portal

The Chase journey portal works equally to the Amex portal, besides you may get 25% to 50% extra worth to your factors relying on which Chase journey bank card account you might be utilizing. This portal permits you to guide flights, motels, cruises, rental automobiles, in addition to “actions.” The actions you possibly can guide are nearly completely excursions, however you may as well use factors to guide airport transfers and different miscellaneous gadgets associated to journey.

In London, for instance, the actions tab by Chase permits you to guide excursions similar to a River Thames sightseeing cruise or an unique Harry Potter tour.


Chase activities

Whereas these choices might not be as precious as level transfers to airways, I actually like the actual fact you possibly can rating low-cost excursions and day journeys with factors, and nonetheless get 25% to 50% extra worth for reserving with rewards.

Additionally observe that Chase has the Luxurious Resort and Resort Assortment, which gives premium lodge redemptions with upgrades similar to free breakfast, early check-in, and extra. This assortment is obtainable to Chase cardholders with a wider vary of card choices, together with the Chase Sapphire Reserve® and a number of other United Airways bank cards.

Redeeming factors for purchases

Chase permits you to money in factors for purchases at Apple at a fee of 1 cent per level, and a few Chase playing cards allow you to pay with factors at Amazon.com or utilizing PayPal.com. Each of those choices will solely web you 0.8 cents per level.

That stated, Chase continues to be providing barely higher worth whenever you redeem factors to cowl sure kinds of purchases by its Pay Your self Again program. Nevertheless, it is value noting that this program is tweaked on a regular basis, and that choices rely on the cardboard you’ve got.

For instance, the present Chase Pay Your self Again promotion for the card_name® offers you 25% to 50% extra worth to your factors whenever you redeem them to cowl fuel station purchases, grocery retailer purchases, the cardboard’s annual charge, and eligible charitable donations.


pay yourself back

If you wish to store with Amex factors, alternatively, you may get 0.5 cents per level in worth. On this state of affairs, you’ll be higher off making the purchases you need along with your card, then redeeming for assertion credit as an alternative. Whilst you will not get much more worth redeeming for assertion credit (as you may see beneath), it is higher than half a cent per level.


shop with membership rewards

After all, Amex additionally permits you to “pay with factors at checkout” at choose retailers. This selection will web you 0.7 cents per level at shops like Amazon and Greatest Purchase.


amex pay with points

Money out and assertion credit score charges

Each applications additionally allow you to redeem factors for assertion credit or money again. Once more, Chase Final Rewards comes out forward on this class. As you possibly can see within the screenshot beneath, you possibly can redeem Chase factors for money again at a fee of 1 cent per level.


Chase points to cash back

Not solely does Chase allow you to redeem for an announcement credit score to your account at a fee of 1 cent per level, however you possibly can have the cash deposited right into a Chase checking or financial savings account you probably have one. 

Professional Tip: Because you solely get 0.8 cents per level for Amazon and PayPal purchases with Chase playing cards that provide this feature, you’ll be higher off paying for the acquisition along with your card then simply redeeming for an announcement credit score to cowl it at a fee of 1 cent per level.

Within the meantime, the American Specific Membership Rewards program solely offers you 0.6 cents per level whenever you redeem rewards to cowl costs to your account. Additional, you possibly can’t get precise money again despatched to you with Amex factors.


amex cover your charges

Redeeming factors for present playing cards

Cashing in your factors for present playing cards is not at all times the best choice, however it may be a great way to make use of up further rewards or get worth out of your factors when you do not have a visit developing. 

Observe that, on this realm, redeeming Chase factors for present playing cards is usually (however not at all times) a greater deal. That is as a result of Chase present playing cards are supplied at a fee of 1 cent per level or higher. Chase often has “present card gross sales” that allow you to purchase present playing cards with factors at 10% to twenty% off.


Chase gift cards

In the meantime, Amex factors are usually value lower than one cent per level whenever you redeem for present playing cards. 

In the meanwhile, Amex is displaying a price of 0.7 cents per level for present playing cards related to manufacturers like Delta and Hilton. Nevertheless, a lot of its restaurant present playing cards and a few journey choices provide the full one cent per level in worth or someplace in between.


amex gift cards

Pooling and transferring factors

American Specific routinely swimming pools all of your Amex Membership Rewards factors in a single account, which is sweet when you’ve got a number of Amex bank cards. You can’t switch your Amex factors to a partner immediately. You’ll be able to, nonetheless, switch your factors to a licensed consumer’s frequent flyer account.  

In different phrases, your partner or associate (or different member of the family) must be a licensed consumer in your Amex bank card with a view to pool factors with them.

On the flipside, Chase lets cardholders pool their very own factors into the cardboard account of their selecting. That stated, do not forget that level transferability solely applies you probably have a Chase journey bank card (card_name, card_name, or card_name). 

In the meantime, Chase does allow you to pool factors with members of your family. You used to have the ability to switch factors to family members after including their card to your mix factors web page on-line. Now you must name in (with the quantity on the again of your card) to have new card accounts for family members added.

This is what Chase has to say on-line about its points-pooling coverage:

“You’ll be able to transfer your factors, however solely to a different Chase card with Final Rewards belonging to you or one member of your family or proprietor of the corporate, as relevant.”

Prime award redemption factors comparability

So, which factors will depart you higher off in the long run with Amex or Chase? Let’s check out their prime award redemption choices and what factors are value with each applications.

Level transfers to companions

2 cents every (on common); Many (however not all) level transfers are at a 1:1 ratio

2 cents every (on common); All level transfers are at a 1:1 ratio

Journey booked by a portal

1 cent per level for airfare; 0.7 cents per level for automotive leases, motels and different journey

Assertion credit to your account

0.5 cents per level to 0.7 cents per level

0.8 cents per level to 1 cent per level

0.7 cents per level to 1 cent per level

1 cent per level or higher

The underside line: Which program is finest?

As you possibly can see from the chart above, Chase factors often supply a greater worth however not at all times. Which means that, finally, the correct rewards program for you boils all the way down to the way you truly plan to make use of your factors. 

Amex factors are usually finest for:

  • Worldwide vacationers who can make the most of varied Amex airline companions for premium redemptions
  • Delta flyers who wish to switch their factors to the SkyMiles program
  • Cardholders who’re unlikely to redeem factors for present playing cards, merchandise, or assertion credit

Chase factors are usually finest for:

  • Cardholders who need the choice to switch factors to IHG Rewards, Southwest, United MileagePlus, and World of Hyatt
  • Money-back lovers who might redeem their rewards for assertion credit or present playing cards on occasion
  • Cardholders who might wish to guide journey by a portal versus transferring to airways or motels

Should you nonetheless cannot resolve, you may as well take into account signing up for journey bank cards that work in each applications. Since most of the switch companions with Amex and Chase overlap, this could even be a good way to spice up your rewards haul for a premium journey redemption.

Within the meantime, you may additionally wish to try different versatile applications related to Capital One bank cards (Capital One Miles) or the Citi ThankYou Rewards program. By evaluating all the highest applications, their switch companions and their journey bank cards, you are certain to discover a mixture of playing cards that works for the way in which you journey.

For charges and costs of the card_name, please go to this URL.

For charges and costs of the card_name, please go to this URL.

For charges and costs of the card_name, please go to this URL.

For charges and costs of the card_name, please go to this URL.

For charges and costs of the card_name, please go to this URL.

For charges and costs of the card_name, please go to this URL.

For charges and costs of the card_name, please go to this URL.

Incessantly requested questions (FAQ)

How a lot are 50,000 Amex factors value?

Should you switch your Amex factors to an airline associate for a premium redemption, 50,000 factors could be value $1,000. Nevertheless, 50,000 factors are value $500 when you redeem for airfare by Amex Journey, or value $350 when you redeem for cruises, motels, automotive leases or different journey choices.

Chase Sapphire Most popular vs. Amex Gold: Which is healthier?

The card_name has a decrease annuacard_name, but the card_name has a better rewards fee in bonus classes. On the finish of the day, you may wish to examine these playing cards based mostly on their welcome gives, rewards charges, perks, and options earlier than you resolve.

Can I earn Chase Final Rewards factors with no-annual-fee bank cards?

Chase doesn’t supply any no-annual-fee bank cards that earn factors that switch to airline and lodge companions. Nevertheless, you possibly can pool factors earned with a Chase money again bank card right into a Chase journey bank card account for premium journey redemptions.

[randomize]