AmEx Points vs Chase Points

AmEx points vs Chase points

The main difference between AmEx points and Chase points is the number of transfer partners. While AmEx points are redeemable at nearly 20 transfer partners, there are only 14 such partners for Chase points.

These rewards let you redeem points on online shopping, discounted traveling, and more. To get the best out of your credit card, you must choose the best reward card to streamline your returns.

But it can be challenging to choose among them. However, knowing the difference will help you make a better decision. 

AmEx Points vs Chase Points – Key Differences

AMEX vs Chase
20 Number Of Transfer Partners 14
Delta SkyMiles, JetBlue TrueBlue, Choice Privileges, Hilton Honors, and Marriott Bonvoy.  Key U.S. Travel Partners  JetBlue TrueBlue, Southwest Airlines Rapid Rewards, United Airlines MileagePlus, IHG Rewards Club, Marriott Bonvoy, and World of Hyatt. 
American Express® Gold Card, The Platinum Card® from American Express, The Business Platinum Card® from American Express, and American Express® Business Gold Card. Top Cards Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Chase Freedom Unlimited®, Chase Freedom Flex℠ , and Ink Business Preferred® Credit Card.
0.5 percent Point Value 1 percent

What are AmEx Points? 

American Express provides membership points through which AmEx card users can earn points called AmEx points. AmEx points are flexible, and the cardholder makes one dollar point on all eligible purchases. 

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However, different American Express cards offer more earning potential. For example, you can earn 4 points per dollar spent on restaurants via the American Express Gold Card. 

You can redeem your points via booking travel through American Express Travel, transferring to hotel or airline partners, and gift cards. However, the redemption is lowest for online shopping, statement credits, or gift cards.

AmEx Points vs Chase Points

How to Use AmEx Membership Rewards Points

American Express offers flexibility to redeem points on things you want, but the redemption value may vary.

You can redeem points in 5 ways. 

  • Redeem for gift cards: The gift card portal is eligible for American Express rewards on over 80 brands, from retailers and restaurants, from entertainment to travel.
  • Book or upgrade travel: If you choose to make a travel booking via for a flight, hotel, vacation, car rental, or cruise, you can use your AmEx points. These points never expire. You can even use them to upgrade your travel.
  • Transfer points to travel partners: You can redeem your points by transferring them to a different hotel loyalty program. They get transferred within 24 hours, so you need to link your account to the reward account. 
  • Shop online: You can redeem points through purchases made via American Express. 
  • Give back: American Express has collaborated with JustGiving, where you can donate your points for charity. More than 1.5 million NGOs are part of it.

What are Chase Points?

Chase points are membership rewards points obtained from Chase’s credit cards. These are highly rewarding if used for travel bookings. You can earn these points by shopping with Chase-branded rewards cards, which include:

  • Sapphire Travel Cards
  • Freedom Cash Back Cards
  • Ink Business Cards
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One dollar point can be earned on all purchases. Chase has partnered with brands such as United Airlines, Amazon, and Marriott.

AmEx Points vs Chase Points

How to Use Chase Membership Rewards Points

You can redeem your Chase points in five ways.

  • Redeem them for a gift card: Chase offers a discounted price on gift cards; thus, you can redeem your Chase points for gift cards.
  • Pay for merchandise: You can redeem points by making purchases via Amazon or Apple merchandise. 
  • Book travel through the Chase portal: You can redeem points if you book flights and hotels through Chase Ultimate rewards. 
  • Transfer to airline and hotel partners: Chase has collaborated with various airlines and hotel franchises so that you can transfer points at a rate of 1:1 also.
  • Book Chase Experiences and Chase Dining: You can redeem your dining and takeout points. 

Difference Between AmEx Points and Chase Points

AmEx and Chase offer a range of cards, from Basic to Premium, that helps you earn points. Both offer flexible valuable points, which help you save on travel expenses.

Remember the main difference between these two rewards programs is that AmEx has more partners than Chase, but you can choose according to your personal preference and habits. 

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Vanessa is passionate about written communication, especially after beginning her career as a middle school English teacher. She’s an experienced content marketer as well. Vanessa loves to analyze, compare, and contrast, which is why she writes for ContrastHub. Besides writing, Vanessa is a wife, mom, entrepreneur, spicy food enthusiast, comedy nerd and lifelong learner.

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