Chase vs. Amex: Which Ecosystem Is Better?

The two giants of transferable points. Which should you prioritize?

Chase Ultimate Rewards

Strengths: Hyatt transfers, 1.5¢ portal value (Reserve), lower entry fee ($95 CSP)

Best for: Hotel redemptions, Southwest, domestic travel

Amex Membership Rewards

Strengths: More airline partners, better earning on Gold card (4X dining/groceries), premium lounge network

Best for: International airlines, ANA/Singapore first class, dining-heavy spenders

The Verdict

Chase wins for beginners and hotel lovers (Hyatt is unmatched)

Amex wins for foodies and international premium cabin seekers

Best answer: Build both ecosystems over time