Chase or Amex? Here’s What Most Reviews Won’t Tell You
You’re looking to maximize the rewards from your credit card spending. Maybe you’re eyeing a dream vacation or just want cashback for everyday purchases. Choosing between Chase and Amex isn’t easy when both cards have their strengths. Let’s break it down so you can make a smart choice.
| Feature | Chase | Amex |
|---|---|---|
| Annual Fee | $95 | $250 |
| Rewards Rate | 1-5% | 1-6% |
| International Acceptance | ✓ | ✗ |
| Travel Perks | Basic | Premium |
| Customer Service | 24/7 Phone Support | 24/7 Concierge |
| Intro Offer | 60,000 Points | 75,000 Points |
✅ chase Pros
- Lower annual fee makes it budget-friendly.
- Widely accepted internationally.
- Strong bonus categories for dining and travel.
❌ chase Cons
- Travel benefits are fairly basic.
- Customer service is less personalized.
✅ amex Pros
- Superior rewards rate on certain categories.
- Access to luxury travel perks and lounges.
- Excellent customer service with a concierge.
❌ amex Cons
- Higher annual fee.
- Limited acceptance outside of the U.S.
Rewards and Benefits
Chase’s rewards are solid across dining and travel, offering you up to 5% back, which is great for everyday spending and occasional travel. Amex, however, pushes the envelope with up to 6% on select categories like groceries and streaming services. If you’re a frequent traveler, Amex’s premium perks like airport lounge access can be a game-changer. Chase is more versatile but Amex can really shine if you know how to leverage its benefits.
International Use
Chase wins hands-down when it comes to international acceptance. You won’t have to worry about your card being declined while you’re jet-setting around the world. Amex, on the other hand, still struggles with acceptance in many countries, which can be frustrating if you rely on your card for most transactions abroad. For the globetrotter, Chase is the clear choice.
Customer Service and Support
Amex provides a more luxurious customer experience with its 24/7 concierge service, which can handle everything from booking a table at a top restaurant to arranging a last-minute gift. Chase offers reliable 24/7 phone support, but it’s more utilitarian. If you prefer white-glove service and don’t mind paying for it, Amex is your best bet.
Chase’s reward categories are straightforward but don’t underestimate the importance of international acceptance if you travel often. Amex’s rewards can pile up fast, but you’ll need to make sure the card is accepted where you shop or dine. Both cards have their quirks, so pick based on your spending habits.
Our Final Verdict: Which One Should You Buy?
If you travel internationally or prefer a card with lower fees, get Chase. It’s perfect for the frequent traveler who needs global acceptance without breaking the bank. Go for Amex if you want premium perks and can make the most of its rewards categories, especially if you enjoy luxury travel benefits and top-tier customer service. Choose based on where and how you spend most.
Is the annual fee worth it for Amex?
If you can leverage the premium travel perks and higher rewards rates, the fee pays for itself. Otherwise, it might feel steep.
Can I use Chase and Amex cards abroad?
Chase is widely accepted internationally, while Amex can be hit or miss. Always have a backup card when traveling.
Which card offers better customer service?
Amex tends to offer more personalized service, including a concierge. Chase provides solid support but without the frills.
