Chase vs. Amex Throwdown: 2024's Best US Credit Card Giants


By Amrit Maurya Updated On 25 Feb, 2024

Chase overall focuses on providing Flexible rewards, and everyday spending while Amex focuses on Luxury perks, premium travel experiences

Points System:  Chase Ultimate Rewards and Amex Membership Rewards

Point Flexibility Chase: Highly versatile, transfer to various airlines and hotelsS Amex: trongest for luxury travel and lounge access

Chase Top Cards: Chase Sapphire Preferred®, Chase Freedom Flex℠, Chase Freedom Unlimited®

Amex Top Cards: The Platinum Card® from American Express, American Express® Gold Card, Blue Cash Preferred® Card from American Express

Ideal Users:  Chase: Spenders seeking flexible rewards and travel options and Amex: Luxury travelers who value premium perks and airport lounge access

Drawbacks: Chase: Less focus on high-end perks compared to Amex Amex: Annual fees can be high, points less flexible outside of luxury travel

Who Wins? It Depends on You: Everyday Spender & Point Flexibility: Chase likely edges out due to broader card choices and transferable rewards.

Who Wins? It Depends on You: Luxury Traveler: Amex is the champion if you're chasing elite status, lounge access, and those premium travel experiences.

Who Wins? It Depends on You: Foodie Focused: Amex might win thanks to the Gold Card, but Chase's rotating categories are competitive.

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