Chase / Amex · currency comparison
Chase UR vs Amex MR, which is better
Both are the top transferable-bank-points currencies. Each has unique strengths. Most points-and-miles travelers should have both.
All loyalty explainers
Key points
- Chase: 1:1 to World of Hyatt, single best hotel transfer in the points game
- Amex: 1:1 to ANA Mileage Club, flagship Asia business redemptions
- Chase has stricter card-approval rules (5/24)
- Amex has lifetime sign-up bonus limits per card
- Both transfer 1:1 to most airline partners; airline overlap is ~70%
Our honest take
Chase wins for hotels (Hyatt), Amex wins for airlines (ANA, Virgin Atlantic). Have at least one Sapphire Preferred + one Amex Gold or Platinum, and you're set.
Best use cases
Hyatt-heavy travelers: Chase. ANA First-Class chasers: Amex. Best portfolio: both.