American Categorical Membership Rewards factors and Chase Final Rewards factors are two of essentially the most extremely sought-after transferable currencies amongst journey fans. These factors can unlock unbelievable redemptions in aspirational areas. Each packages provide a variety of journey rewards bank cards and redemption choices, together with transferring factors to airline and lodge companions or reserving journey via the respective card issuer’s journey portal.
Nevertheless, it is essential to notice that not all factors maintain the identical worth. In response to TPG’s November 2024 valuations, each Amex Membership Rewards factors and Chase Final Rewards factors are valued at roughly 2 cents per level. The only option depends upon your spending habits and journey aims.
Now, let’s delve right into a comparability between these two packages to see how they measure up.
Switch companions with Amex Membership Rewards vs. Chase Final Rewards
American Categorical Membership Rewards
Amex companions with a formidable 18 completely different airline packages and three lodge chains. Until indicated, factors switch at a 1:1 price in 1,000-point increments. Here is the present checklist of Amex airline companions:
- Aer Lingus AerClub
- Aeromexico Membership Premier (1:1.6)
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- All Nippon Airways Mileage Membership
- Avianca LifeMiles
- British Airways Government Membership
- Cathay Pacific Asia Miles
- Delta Air Strains SkyMiles
- Emirates Skywards
- Etihad Airways Visitor
- Hawaiian Airways HawaiianMiles
- Iberia Plus
- JetBlue TrueBlue (250:200)
- Qantas Frequent Flyer
- Qatar Airways Privilege Membership
- Singapore Airways KrisFlyer
- Virgin Atlantic Flying Membership
And these are the Amex lodge switch companions:
- Selection Privileges
- Hilton Honors (1:2)
- Marriott Bonvoy
You possibly can e-book flights or motels via Amex Journey, however transferring factors to a accomplice after which redeeming them (extra on that a bit later) usually ends in one of the best redemption worth.
Associated: The best way to redeem American Categorical Membership Rewards for optimum worth
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Chase Final Rewards
With Chase Final Rewards, you may switch factors to 11 airline packages:
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- British Airways Government Membership
- Emirates Skywards
- Iberia Plus
- JetBlue TrueBlue
- Singapore Airways KrisFlyer
- Southwest Airways Fast Rewards
- United Airways MileagePlus
- Virgin Atlantic Flying Membership
Chase additionally companions with three lodge packages:
- IHG One Rewards
- Marriott Bonvoy
- World of Hyatt
All switch ratios are 1:1, and it’s essential to switch in 1,000-point increments.
To determine which program is best for you, you will wish to contemplate the switch companions you will use most on your journey objectives.
Do not forget that it is attainable to make use of one airline’s miles to e-book award flights on one other in the event that they’re companions or a part of the identical alliance. For instance, though United Airways is not an Amex Membership Rewards switch accomplice, you may e-book United award flights by transferring Amex factors to Air Canada or Singapore Airways, as they’re Star Alliance companions.
Associated: The best way to redeem Chase Final Rewards factors for optimum worth
Incomes factors with Amex Membership Rewards vs. Chase Final Rewards
American Categorical Membership Rewards
Regardless of a once-per-lifetime coverage for welcome affords, the wide selection of playing cards that earn Membership Rewards factors makes it comparatively simple to build up a considerable factors stability.
Listed here are a number of the playing cards that earn Amex Membership Rewards factors and include nice welcome affords:
The data for the Amex Inexperienced has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: Which is one of the best American Categorical bank card for you?
One other solution to earn Amex factors is thru focused Amex Affords. You may see all of the Amex Affords accessible on a given card for those who scroll down in your on-line account web page or by tapping the “Affords” tab within the Amex app.
These affords come from numerous retailers, together with journey suppliers, eating places, clothes and jewellery shops. Usually talking, Amex Affords are available in certainly one of three types:
- Spend $X, get Y variety of bonus factors
- Spend $X, get $Y money again as an announcement credit score
- Get further factors per greenback spent at choose retailers
Whereas some affords will provide you with money again for assembly a particular spending requirement, many provide factors.
If you happen to maintain a number of Amex playing cards, it is essential to test all of them to make sure you’re maximizing the accessible affords. Moreover, reviewing the phrases of every Amex Give you add to your playing cards is essential, as some might exclude reward card purchases.
Amex Affords could be mixed with on-line procuring portals and bonus classes. Think about using a procuring portal aggregator to find out which portal affords the best return for a particular buy. This fashion, you may profit from your buy.
Associated: The best way to earn bonus money again or Amex factors in your on-line procuring purchases with Rakuten
Chase Final Rewards
Chase affords three playing cards that earn transferable Final Rewards factors, all of which have beneficiant welcome bonuses:
There are additionally 5 playing cards supplied by Chase that, on their very own, do not will let you switch factors to journey companions. Nevertheless, if in case you have one of many playing cards talked about above, you may switch factors to that account after which transfer them to airline and lodge companions.
The data for the Chase Freedom has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Do not forget that the Chase 5/24 rule might restrict your skill to get accredited for these playing cards. If you happen to’re new to factors and miles, your greatest guess is to use for the Chase playing cards you need first.
Bonus factors classes with Amex Membership Rewards vs. Chase Final Rewards
American Categorical Membership Rewards
We advocate maximizing on a regular basis spending on a number of Amex playing cards by making the most of bonus classes. For instance, the Amex Gold earns 4 factors per greenback at eating places worldwide (on the primary $50,000 spent per calendar yr, then 1 level per greenback). As compared, the Amex Platinum earns 5 factors per greenback on airfare booked straight with the airline or by way of American Categorical Journey (on as much as $500,000 on these purchases per calendar yr) and 5 factors per greenback on pay as you go motels booked via American Categorical Journey.
Chase Final Rewards
Chase affords a variety of playing cards that present ample alternatives to earn factors via bonus classes. For instance, the Chase Sapphire Most well-liked affords 5 factors per greenback on journey booked via Chase Journey℠, 3 factors per greenback on eating and choose streaming companies, 3 factors per greenback on on-line grocery purchases (excluding Goal and Walmart), 2 factors per greenback on different journey and 1 level per greenback on all different bills.
The Ink Enterprise Most well-liked extends the bonus classes with 3 factors per greenback on journey, transport, web, cable, cellphone companies and promoting purchases made with social media and search engines like google (on as much as $150,000 in mixed purchases per account anniversary yr, then 1 level per greenback) and 1 level per greenback on every thing else.
With the Chase Sapphire Reserve, you will earn 10 factors per greenback on motels and automotive leases whenever you e-book via Chase Journey, 5 factors per greenback on flights booked via Chase Journey, 3 factors per greenback on different journey (excluding the $300 journey credit score) and eating and 1 level per greenback on different bills. Furthermore, Sapphire Reserve cardholders will earn 10 whole factors per greenback on Lyft rides when utilizing their card, legitimate till March 2025.
Redemption choices with Amex Membership Rewards vs. Chase Final Rewards
As simple as it’s to earn transferable factors, you do not wish to hold them simply sitting in your account — you wish to redeem them. Identical to the methods to earn factors, all redemption choices aren’t created equal, although Membership Rewards and Final Rewards have a big overlap of the identical switch companions.
As an example, for those who switch both forex to Air France-KLM’s Flying Blue program on dates with much less demand, you may fly from North America to Europe from as little as 20,000 miles one-way in financial system, 35,000 miles in premium financial system and 50,000 miles in enterprise class.
Singapore Airways operates two of the world’s longest flights: Singapore Changi Airport (SIN) to Newark Liberty Worldwide Airport (EWR) and John F. Kennedy Worldwide Airport (JFK). You can switch your Amex or Chase factors to KrisFlyer at a 1:1 price to e-book one-way business-class Saver fare flights for simply 111,500 Singapore Airways KrisFlyer factors plus taxes and costs one-way — a small value for consolation on such an epically lengthy flight.
You can even use the Amex Journey portal to discover a most well-liked room after which pay with factors — valued at solely 0.7 cents every — or money. You possibly can e-book motels together with these in Amex’s High quality Inns + Resorts program. You will not often earn lodge factors or elite credit for third-party bookings.
With Chase, you may e-book journey via Chase Journey and redeem factors to pay on your airplane tickets, lodge stays, rental vehicles or experiences. If you happen to’re a holder of the Chase Sapphire Most well-liked or the Ink Enterprise Most well-liked, every level is price 1.25 cents. You probably have the Chase Sapphire Reserve, your factors are price 1.5 cents apiece towards redemptions via the portal, which is a extra helpful choice than the Amex Journey portal.
Although Chase has fewer switch companions than American Categorical, Chase holds its personal with some distinctive and really helpful redemption choices that may present extra worth than Amex’s choices.
Arguably essentially the most helpful Chase switch accomplice is World of Hyatt, a lodge forex TPG values extremely. With its low fixed-rate award chart and no vacation spot charges on award nights, the Hyatt switch choice is a key good thing about redeeming Chase factors over Amex factors, which do not provide Hyatt as a switch accomplice.
Associated: When and the way to switch Chase Final Rewards factors to World of Hyatt
Backside line
Selecting between these two packages depends upon your preferences, however there isn’t any cause why you may’t gather each forms of factors, as you may’t go fallacious with both transferable forex. Each packages accomplice with fashionable switch choices at a 1:1 price, resembling Air Canada Aeroplan, British Airways Government Membership, Air France-KLM Flying Blue, JetBlue TrueBlue, Virgin Atlantic Flying Membership and extra.
Amassing both bank card forex is a great concept for those who’re seeking to switch factors to those packages.
There are variations between the redemption choices of Amex and Chase factors. Chase Final Rewards is a superb selection for those who’re aiming for exceptional redemptions like luxurious Hyatt stays or need the flexibleness of redeeming factors via Chase Journey for nearly any flight or lodge for as much as 1.5 cents per level, relying on the kind of Chase card you maintain.
If you happen to’re a Delta SkyMiles, Hawaiian Airways HawaiianMiles or Avianca LifeMiles fan, solely Amex’s Membership Rewards switch to those packages, so accumulating Amex factors could be a greater choice.
Sustaining versatile and numerous factors and miles balances will provide you with essentially the most choices when redeeming your rewards no matter your most well-liked forex.
