American Express Membership Rewards Points and Track the ultimate reward The two most highly rated points Transferable currency Among travel enthusiasts. These points allow you to unlock incredible redemptions in ambitious places.
Both programs offer a variety of valuable things Credit cards that reward travel There are redemption options, such as transferring points to airlines and hotel partners, or booking trips through the respective card issuer’s travel portal.
According to TPG April 2025 evaluationAMEX Membership Reward Points and Chase Ultimate Reward Points are rated at 2 cents and 2.05 cents per point, respectively.
So how do they measure? And which one is the best currency for you?
Best Offers: Chase SapphirePreferred® Card (look Fees and fees): After spending $5,000 on purchases in the first three months of opening an account, you will earn 100,000 bonus points.
Which currency has the best transfer partner?
American Express Membership Rewards
Amex is an impressive partner with 18 different airline programs and three hotel chains. Unless indicated, points will be transferred at a rate of 1:1 in increments of 1,000 points. Here is the current list of Amex Airline Partners:
- aer lingus aerclub
- Aeromexico rewards (1:1.6)
- Air Canada Aero Plan
- Air France-KLM Flying Blue
- Ana Mileage Club
- Avianca Lifemiles
- British Airways Club
- Cathay Pacific Cathay
- Club Iberia Plus
- Delta Sky Meal
- Emirates Skyward
- Etihad Guest
- Hawaiian Mile
- JetBlue TrueBlue (250:200)
- Qantas Frequent Flyer
- Qatar Airways Privileged Club
- Krisflyer from Singapore Airlines
- Virgin Atlantic Flying Club
And these are Amex Hotel Transfer Partners.
- Selection privilege
- Hilton Honors (1:2)
- Marriott Bonboy
Related: How to redeem American Express membership rewards for maximum value
Track the ultimate reward
With Chase Ultimate Rewards you can Transfer Points To 11 airline programs:
- aer lingus aerclub
- Air Canada Aero Plan
- Air France-KLM Flying Blue
- British Airways Club
- Club Iberia Plus
- Emirates Skyward
- JetBlue TrueBlue
- Krisflyer from Singapore Airlines
- Southwest Rapid Rewards
- United MileagePlus
- Virgin Atlantic Flying Club
Chase is also affiliated with three hotel programs.
- IHG 1 reward
- Marriott Bonboy
- The Hyatt World
All transfer ratios are 1:1 and must be transferred in increments of 1,000 points.
Related: How to redeem Chase Ultimate Reward Points for Maximum Value
Which programs have the best transfer partners depends heavily on your travel habits and your favorite airline and hotel loyalty programs.
While Amex may seem like an obvious winner, the value of some Select Chase Transfer Partners that are not affiliated with Amex is noteworthy given the more transfer partners, such as Delta Skymiles, Hawaiianmiles and Avianca Lifemiles.
For example, if you are a regular United Airlines traveler, you can transfer either currency to. Air Canada Aero Plan Book United Flights. But United himself MILEAGEPLUS Program Also, although we are not a partner with Chase Ultimate Rewards, we recommend that you focus on earning Chase Points if you are a priority carrier.
On the hotel side, we highly appreciate it World of Hyatt Program With low award redemption rates, if you are looking for a great hotel transfer option, consider earning tracking points.
Related: Quick Point: World of Hyatt Members do not pay hotel taxes or awards stay fees
Which currency offers the best credit card?
American Express Membership Rewards
in spite of Once at a time policy A wide range of cards that earn membership reward points for welcome offers make it easier to balance points.
Here are some of the best welcome offers available at the moment:
- American Express Platinum Card: Earn 80,000 Membership Reward Points after spending $8,000 on purchases in the first 6 months of a cardholder.
- American Express® Gold Card: After spending $6,000 on purchases in the first 6 months of your card membership, earn 60,000 membership reward points.
- American Express Business Platinum Card: Earn 150,000 membership reward points after spending $20,000 on eligible purchases in the first three months of your card membership. Additionally, you will earn a $500 statement credit after spending $2,500 on qualifying flights booked directly with the airline or during the first three months of your cardholder through your American Express trip. You can earn one or both of these offers.
Please check Card Match Tool To see if you are targeting even higher welcome offers (although this may change at any time).
Related: Best American Express Credit Cards
Track the ultimate reward
Chase offers three cards that earn the ultimate transferable reward points.
Please remember that Chase 5/24 Rules This may limit the approval ability of these cards. If so New points and milesYour best bet is to apply for the chase card you want first.
Related: Best Chase Credit Card
Which currency has the best bonus category?
To maximize the points you can earn in either program, it is best to choose a card that earns at least 1 point per dollar in categories you know you’ll spend regularly.
American Express Membership Rewards
amex gold Earn 4 points per dollar spent at restaurants around the world (up to $50,000 per calendar year, followed by 1 point per point).
In comparison, Amex Platinum and Amex Business Platinum Earn 5 points per dollar spent on airfares booked directly with the airline, or earn 5 points per dollar at American Express Travel (up to $500,000 for these purchases per calendar year, 1 point per point for the consumer version) and 5 points per dollar at prepaid hotels booked through American Express Travel.
Track the ultimate reward
Chase sapphire is desirable It offers 5 points per dollar spent on trips booked with Chae Travel, 3 points per dollar spent on meals and choices, 3 points per dollar for online grocery purchases (excluding goals and Walmart), 2 points per dollar spent on other travel purchases, and 1 point per dollar spent on all other expenses.
Ideal for the ink business We offer 3 points per dollar spent on ad purchases made on travel, shipping, internet, cable, telephone services, social media and search engines (up to $150,000 for total purchases per account anniversary, followed by 1 point per point) and 1 point per point for all other purchases.
in Chase Sapphire ReserveWhen you book a Chase trip, you will earn 10 points per dollar spent on hotels and car rentals, 1 dollar spent on flights booked on Chase trips, and 5 points per dollar spent on other travel purchases (excluding $300 travel credits) and other expenses. Additionally, Sapphire Reserve Cardholders will earn 5 points per dollar spent on Lyft Rides if they use a card that is valid until September 30, 2027.
Which currency has the best redemption options?
Membership rewards and ultimate rewards have a large overlap of the same transfer partners transfer at a 1:1 rate, so collecting any currency will give you the same redemption value.
As mentioned above, Amex has a better transfer option, given that Chase has its own forwarding partners, especially World of Hyatt, which means that it has seven airline forwarding partners over Chase.
Can be used Amex Travel Portal Find a room of your choice and then pay points (points rated as only 1 cent each) or cash. You can book hotels including hotels Amex’s Fine Hotels + Resorts Program.
Chase allows you to book a trip Chase Stravel You will then redeem your points to pay for plane tickets, hotel stays, car rentals and experiences. If you are the owner of Chase sapphire is desirable or Ideal for the ink businesseach point is worth 1.25 cents. If you have Chase Sapphire Reserveyour points are worth 1.5 cents towards redemption via the portal. This is a more valuable option than the Amex Travel portal.
Conclusion
Choosing these two programs depends on your preference, but there is no reason why you can’t collect both types of points, as you can’t get wrong with either type of currency.
Chase Ultimate Rewards are perfect for those looking for amazing redemptions, such as a luxury Hyatt stay, or if you want to be flexible with redemption points through chase trips with up to 1.5 cents on virtually every flight or hotel, depending on the type of chase card you hold.
If you are a fan of Delta SkyMiles, Hawaiian Miles, or Avianca Lifemiles, collecting Amex Points is a better option as you will only transfer Amex membership rewards programs.
