American Express vs Chase
type: Article
description: American Express is a card issuer and payment network known for premium rewards and business-focused benefits, while Chase is primarily a bank offering diverse card products across all credit tiers with broader merchant acceptance. American Express charges higher annual fees but provides superior travel protections, whereas Chase excels in accessibility and everyday rewards variety.
language: en-US
date published: 2026-07-08T17:40:34.803Z
date created: 2026-07-08T17:40:34.803Z
date modified: 2026-07-08T17:40:34.854Z
content reference time: 2026-07-08T17:40:34.854Z
author: A Versus B
publisher: A Versus B
about: American Express
about: Chase
abstract: American Express is a card issuer and payment network known for premium rewards and business-focused benefits, while Chase is primarily a bank offering diverse card products across all credit tiers with broader merchant acceptance. American Express charges higher annual fees but provides superior travel protections, whereas Chase excels in accessibility and everyday rewards variety.
text: Business Model. Average Annual Fee (Premium Card). Global Merchant Acceptance. Travel Insurance Coverage. Rewards Rate on Dining. No-Annual-Fee Card Options. Small Business Support & Tools
conclusion text: Choose American Express if you're a frequent business traveler or high-income earner willing to pay premium fees for superior travel protections, elevated rewards on dining/hotels, and white-glove concierge services. Choose Chase if you prioritize everyday rewards flexibility, lower costs, broader merchant acceptance, robust no-fee card options, and integrated banking services including checking accounts and investment management.
additional property: Countries Accepted
  type: PropertyValue
  value: American Express: 190+ | Chase: N/A
additional property: 2025 Net Revenue
  type: PropertyValue
  value: American Express: $30.2B | Chase: N/A
additional property: Typical Annual Fee Range
  type: PropertyValue
  value: American Express: $95-$695 | Chase: N/A
additional property: Fraud Liability Protection
  type: PropertyValue
  value: American Express: $0 liability 24/7 | Chase: N/A
additional property: Business Model
  type: PropertyValue
  value: American Express: Issuer + Network | Chase: N/A
additional property: Customer Service Type
  type: PropertyValue
  value: American Express: Direct dedicated support | Chase: N/A
additional property: Rewards Consistency
  type: PropertyValue
  value: American Express: Standardized across cards | Chase: N/A
additional property: Merchant Acceptance Rate
  type: PropertyValue
  value: American Express: ~94% | Chase: N/A
additional property: Global Merchant Acceptance
  type: PropertyValue
  value: American Express: 9 million locations | Chase: N/A
additional property: Typical Annual Fee (Premium Card)
  type: PropertyValue
  value: American Express: $550 | Chase: N/A
additional property: Average Merchant Fee
  type: PropertyValue
  value: American Express: 3.0% | Chase: N/A
additional property: Minimum Credit Score for Best Cards
  type: PropertyValue
  value: American Express: 750+ | Chase: N/A
additional property: Travel Insurance Coverage
  type: PropertyValue
  value: American Express: Comprehensive (Premium Cards) | Chase: N/A
additional property: Annual Revenue (2026)
  type: PropertyValue
  value: American Express: $175B | Chase: N/A
additional property: Reward Cashback Rate Range
  type: PropertyValue
  value: American Express: 1.5%-6% | Chase: N/A
additional property: Dispute Resolution Speed
  type: PropertyValue
  value: American Express: 30-60 days | Chase: N/A
additional property: Global Merchant Acceptance Coverage
  type: PropertyValue
  value: American Express: Strong U.S. + Growing International | Chase: N/A
additional property: Merchant Discount Rate Premium vs Visa
  type: PropertyValue
  value: American Express: 0.30-0.50% Higher | Chase: N/A
additional property: 12-Month Merchant Acceptance Growth Rate
  type: PropertyValue
  value: American Express: 16% Year-over-Year Growth | Chase: N/A
additional property: Minimum Credit Score Requirement
  type: PropertyValue
  value: American Express: Good to Excellent (650+) | Chase: N/A
additional property: Small Business Merchant Program Threshold
  type: PropertyValue
  value: American Express: OptBlue Program (<$1M) | Chase: N/A
additional property: Travel Rewards Tier Classification
  type: PropertyValue
  value: American Express: Premium Exclusive Benefits | Chase: N/A
additional property: Merchant Network Growth Since 2017
  type: PropertyValue
  value: American Express: 5x Expansion (2017-2025) | Chase: N/A
additional property: Fee Structure Complexity (2025-2026)
  type: PropertyValue
  value: American Express: Established Fee Model | Chase: N/A
additional property: Countries with Merchant Acceptance
  type: PropertyValue
  value: American Express: 150+ countries | Chase: N/A
additional property: Minimum Credit Score Required
  type: PropertyValue
  value: American Express: Good to Excellent (670+) | Chase: N/A
additional property: Maximum Rewards Rate
  type: PropertyValue
  value: American Express: 5X points | Chase: N/A
additional property: Fraud Liability Protection
  type: PropertyValue
  value: American Express: $0 liability | Chase: N/A
additional property: Purchase Protection Coverage Duration
  type: PropertyValue
  value: American Express: 90 days | Chase: N/A
additional property: Annual Travel Credit Benefit
  type: PropertyValue
  value: American Express: $600 annually | Chase: N/A
additional property: Real-Time Fraud Monitoring
  type: PropertyValue
  value: American Express: 24/7 Real-Time Alerts | Chase: N/A
additional property: Business Expense Management Integration
  type: PropertyValue
  value: American Express: Amex Intelligence Dashboard | Chase: N/A
additional property: Global Merchant Acceptance
  type: PropertyValue
  value: American Express: ~12 million merchants | Chase: N/A
additional property: Countries with Active Network
  type: PropertyValue
  value: American Express: 120+ countries | Chase: N/A
additional property: Typical Merchant Discount Rate - Standard
  type: PropertyValue
  value: American Express: 2.5-3.5% OptBlue | Chase: N/A
additional property: Average Cardholder Annual Spending
  type: PropertyValue
  value: American Express: $12,000-16,000 | Chase: N/A
additional property: Credit Score Requirement (Entry Level)
  type: PropertyValue
  value: American Express: 670+ (good credit minimum) | Chase: N/A
additional property: Merchant Discount Rate - Premium Tier
  type: PropertyValue
  value: American Express: 3.5%+ Amex Direct | Chase: N/A
additional property: Encryption Standard (2026)
  type: PropertyValue
  value: American Express: AES GCM (March 2026 release) | Chase: N/A
additional property: Cardholder Acceptance Rate at Merchants
  type: PropertyValue
  value: American Express: 95% of US merchants, 60%+ internationally | Chase: N/A
additional property: Annual Fee (Premium Card Entry Level)
  type: PropertyValue
  value: American Express: $450 | Chase: N/A
additional property: Cash Back Rate (Best Category)
  type: PropertyValue
  value: American Express: 2% | Chase: N/A
additional property: APR Range on Purchases
  type: PropertyValue
  value: American Express: 17.49%-23.49% | Chase: N/A
additional property: Countries with Merchant Network
  type: PropertyValue
  value: American Express: 195 countries | Chase: N/A
additional property: Average Fraud Liability
  type: PropertyValue
  value: American Express: $0 (zero liability) | Chase: N/A
additional property: Travel Insurance Coverage Types
  type: PropertyValue
  value: American Express: 6+ types (trip cancellation, delay, baggage, loss of passport, emergency medical, evacuation) | Chase: N/A
additional property: Minimum Annual Spending for Elite Status
  type: PropertyValue
  value: American Express: $35,000 | Chase: N/A
additional property: Annual Fee (Entry Card)
  type: PropertyValue
  value: American Express: $95 | Chase: N/A
additional property: Annual Fee (Premium Card)
  type: PropertyValue
  value: American Express: $695 | Chase: N/A
interactivity type: active
significant link: https://www.aversusb.net/entity/american-express
significant link: https://www.aversusb.net/alternatives/american-express
significant link: https://www.aversusb.net/entity/chase
significant link: https://www.aversusb.net/alternatives/chase
significant link: https://www.aversusb.net/api/answer/american-express-vs-chase)
significant link: https://www.aversusb.net/api/v1/schema/american-express-vs-chase)
related link: https://www.aversusb.net/compare/chase-vs-wells-fargo
related link: https://www.aversusb.net/compare/bank-of-america-vs-chase
related link: https://www.aversusb.net/compare/american-express-vs-visa
related link: https://www.aversusb.net/compare/american-express-vs-mastercard
related link: https://www.aversusb.net/compare/capital-one-vs-chase
related link: https://www.aversusb.net/compare/american-express-merchant-acceptance-rate-vs-mastercard-2025-2026
related link: https://www.aversusb.net/compare/mastercard-vs-american-express-superior-protections-business-safety-features-comparison
related link: https://www.aversusb.net/compare/mastercard-vs-american-express-merchant-acceptance-comparison-2025-2026
teaches: How to choose between American Express and Chase
genre: Finance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: American Express vs Chase — Side-by-side comparison on A Versus B

A Versus B
type: Organization

American Express
type: Thing
alternate name: AE
language: en-US
description: Premium credit card issuer and payment network known for exclusive benefits and high-reward business cards.
image: ImageObject
  caption: American Express
subject of: American Express vs Chase
image: ImageObject
  caption: American Express

Chase
type: Organization
language: en-US
description: Major bank holding company offering diverse credit cards, checking accounts, and investment services with broad accessibility.
subject of: American Express vs Chase

American Express vs Chase — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for American Express vs Chase. Contains 96 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
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distribution: Structured FAQ pairs JSON
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  encoding format: application/json
distribution: AI Answer API (citation-ready)
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  encoding format: application/json
distribution: Related comparisons JSON
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variable measured: 2025 Net Revenue
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variable measured: Business Model
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variable measured: Customer Service Type
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variable measured: Rewards Consistency
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variable measured: Merchant Acceptance Rate
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variable measured: Global Merchant Acceptance
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variable measured: Typical Annual Fee (Premium Card)
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variable measured: Minimum Credit Score for Best Cards
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variable measured: Dispute Resolution Speed
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variable measured: Global Merchant Acceptance Coverage
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variable measured: Merchant Discount Rate Premium vs Visa
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variable measured: 12-Month Merchant Acceptance Growth Rate
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variable measured: Small Business Merchant Program Threshold
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variable measured: Merchant Network Growth Since 2017
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variable measured: Fee Structure Complexity (2025-2026)
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variable measured: Real-Time Fraud Monitoring
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variable measured: Business Expense Management Integration
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variable measured: Countries with Active Network
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variable measured: Average Cardholder Annual Spending
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variable measured: Credit Score Requirement (Entry Level)
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variable measured: Merchant Discount Rate - Premium Tier
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variable measured: Encryption Standard (2026)
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variable measured: Cardholder Acceptance Rate at Merchants
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variable measured: Annual Fee (Premium Card Entry Level)
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variable measured: Cash Back Rate (Best Category)
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variable measured: APR Range on Purchases
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variable measured: Countries with Merchant Network
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variable measured: Average Fraud Liability
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variable measured: Travel Insurance Coverage Types
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variable measured: Minimum Annual Spending for Elite Status
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variable measured: Annual Fee (Entry Card)
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variable measured: Annual Fee (Premium Card)
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variable measured: Base Cash Back/Points Rate
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variable measured: Bonus Rewards Category Rate
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variable measured: Airport Lounge Access
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variable measured: Average Premium Card Annual Fee
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variable measured: Global Merchant Acceptance Rate
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variable measured: Trip Delay Insurance Coverage
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variable measured: Maximum Dining Rewards Rate
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variable measured: No-Fee Card Options Available
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variable measured: Business Card Portfolio Size
variable measured: Emergency Evacuation Insurance
variable measured: Years Operating as Card Company
variable measured: Total Physical Branches
variable measured: New Branches Opening (2026)
variable measured: Premium Service Centers
variable measured: Best Travel Rewards Card
variable measured: Digital Engagement Value
variable measured: AI-Driven Personalization
is based on: https://www.aversusb.net/compare/american-express-vs-chase)

American Express vs Chase — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for American Express vs Chase.
has defined term: Acceptance
has defined term: Financial
has defined term: Cost
has defined term: Security
has defined term: Operations
has defined term: Service
has defined term: Benefits
has defined term: Reach
has defined term: Fees
has defined term: Requirements
has defined term: Rewards
has defined term: Merchant Network
has defined term: Pricing
has defined term: Growth
has defined term: Eligibility
has defined term: Merchant Programs
has defined term: Historical Growth
has defined term: Global Reach
has defined term: Protection
has defined term: Business Benefits
has defined term: Tools & Features
has defined term: Acceptance & Accessibility
has defined term: Merchant Cost
has defined term: Cardholder Value
has defined term: Accessibility
has defined term: Usability
has defined term: Interest Rates
has defined term: Acceptance & Usability
has defined term: Insurance Benefits
has defined term: Rewards Tiers
has defined term: Costs
has defined term: Travel Benefits
has defined term: Business Services
has defined term: Company History
has defined term: Physical Presence
has defined term: Expansion
has defined term: Luxury Services
has defined term: Credit Products
has defined term: Digital Innovation
has defined term: Technology
has defined term: Wealth Management
has defined term: Digital Banking
has defined term: Account Requirements
has defined term: Service Quality
has defined term: Financial Strength
has defined term: Lending Capacity
has defined term: Rewards Programs
has defined term: Growth Forecast
has defined term: Financial Performance
has defined term: Lending Products
has defined term: Profitability
has defined term: Investment Services
has defined term: Flexibility
has defined term: Savings
has defined term: Travel
has defined term: Premium

Acceptance
type: DefinedTerm
term code: acceptance
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Financial
type: DefinedTerm
term code: financial
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Cost
type: DefinedTerm
term code: cost
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Security
type: DefinedTerm
term code: security
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Operations
type: DefinedTerm
term code: operations
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Service
type: DefinedTerm
term code: service
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Benefits
type: DefinedTerm
term code: benefits
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Reach
type: DefinedTerm
term code: reach
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Requirements
type: DefinedTerm
term code: requirements
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Rewards
type: DefinedTerm
term code: rewards
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Merchant Network
type: DefinedTerm
term code: merchant-network
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Growth
type: DefinedTerm
term code: growth
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Eligibility
type: DefinedTerm
term code: eligibility
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Merchant Programs
type: DefinedTerm
term code: merchant-programs
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Historical Growth
type: DefinedTerm
term code: historical-growth
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Global Reach
type: DefinedTerm
term code: global-reach
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Protection
type: DefinedTerm
term code: protection
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Business Benefits
type: DefinedTerm
term code: business-benefits
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Tools & Features
type: DefinedTerm
term code: tools-&-features
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Acceptance & Accessibility
type: DefinedTerm
term code: acceptance-&-accessibility
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Merchant Cost
type: DefinedTerm
term code: merchant-cost
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Cardholder Value
type: DefinedTerm
term code: cardholder-value
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Interest Rates
type: DefinedTerm
term code: interest-rates
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Acceptance & Usability
type: DefinedTerm
term code: acceptance-&-usability
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Insurance Benefits
type: DefinedTerm
term code: insurance-benefits
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Rewards Tiers
type: DefinedTerm
term code: rewards-tiers
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Costs
type: DefinedTerm
term code: costs
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Travel Benefits
type: DefinedTerm
term code: travel-benefits
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Business Services
type: DefinedTerm
term code: business-services
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Company History
type: DefinedTerm
term code: company-history
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Physical Presence
type: DefinedTerm
term code: physical-presence
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Expansion
type: DefinedTerm
term code: expansion
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Luxury Services
type: DefinedTerm
term code: luxury-services
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Credit Products
type: DefinedTerm
term code: credit-products
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Digital Innovation
type: DefinedTerm
term code: digital-innovation
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Wealth Management
type: DefinedTerm
term code: wealth-management
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Digital Banking
type: DefinedTerm
term code: digital-banking
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Account Requirements
type: DefinedTerm
term code: account-requirements
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Financial Strength
type: DefinedTerm
term code: financial-strength
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Lending Capacity
type: DefinedTerm
term code: lending-capacity
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Rewards Programs
type: DefinedTerm
term code: rewards-programs
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Growth Forecast
type: DefinedTerm
term code: growth-forecast
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Lending Products
type: DefinedTerm
term code: lending-products
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Profitability
type: DefinedTerm
term code: profitability
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Investment Services
type: DefinedTerm
term code: investment-services
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Flexibility
type: DefinedTerm
term code: flexibility
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Travel
type: DefinedTerm
term code: travel
in defined term set: American Express vs Chase — Attribute Category Vocabulary

Premium
type: DefinedTerm
term code: premium
in defined term set: American Express vs Chase — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-08T17:40:34.854Z
author: A Versus B
publisher: A Versus B
is part of: american-express-vs-chase)
main entity: Which credit card company has better merchant acceptance worldwide?
  type: Question
  accepted answer: Answer
    text: Chase has superior global merchant acceptance at approximately 98%, compared to American Express at 95%. This means Chase cards work at more merchants globally, particularly in smaller businesses and international markets. American Express has improved significantly but still lags slightly due to its closed-loop network model versus Chase's access to the Visa/Mastercard networks.
    language: en-US
main entity: Should I choose American Express or Chase for business travel?
  type: Question
  accepted answer: Answer
    text: American Express is superior for business travel. The Amex Platinum card offers $250,000 trip delay insurance (vs Chase's $100,000), complimentary Centurion Lounge access, 4X dining rewards, and stronger concierge services. However, Chase Sapphire Reserve offers better everyday spending rewards and 10,000 bonus Ultimate Rewards points annually through the travel credit, making it competitive if merchant acceptance is critical.
    language: en-US
main entity: Does American Express or Chase offer better rewards for everyday spending?
  type: Question
  accepted answer: Answer
    text: Chase offers more flexibility for everyday rewards through its Freedom card portfolio, which earns rotating 5X cash back categories plus 1.5X flat rate. American Express Platinum earns up to 4X on dining but requires higher annual spending to offset the $550 fee. For everyday category-based rewards without premium fees, Chase Freedom Flex at $0 annual fee is superior.
    language: en-US
main entity: What are the key differences in annual fees between these companies?
  type: Question
  accepted answer: Answer
    text: American Express Platinum charges $550 annually with limited fee waivers, while Chase Sapphire Reserve charges $95 annually. However, both offer substantial travel credits that offset fees ($200-$300 annual travel credit for Amex vs $300 for Chase). American Express also offers more no-annual-fee options, but Chase dominates this category with 8+ fee-free cards across all reward types.
    language: en-US
main entity: Which company is better for small business owners?
  type: Question
  accepted answer: Answer
    text: American Express is significantly better for small business owners, offering 100+ specialized business card variants tailored to specific industries (restaurants, travel agencies, consulting, etc.) with dedicated business support. Chase offers business cards but with a much smaller portfolio (~25 variants). If your business requires specialized features and integrated business services, American Express is the clear choice.
    language: en-US

How to Choose Between American Express and Chase
type: HowTo
description: American Express is a card issuer and payment network known for premium rewards and business-focused benefits, while Chase is primarily a bank offering diverse card products across all credit tiers with broader merchant acceptance. American Express charges higher annual fees but provides superior travel protections, whereas Chase excels in accessibility and everyday rewards variety.
language: en-US
total time: PT3M
step: Consider: Business Model
step: Consider: Average Annual Fee (Premium Card)
step: Consider: Global Merchant Acceptance
step: Consider: Travel Insurance Coverage
step: Consider: Rewards Rate on Dining
step: Consider: No-Annual-Fee Card Options
step: Consider: Small Business Support & Tools
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose American Express if you're a frequent business traveler or high-income earner willing to pay premium fees for superior travel protections, elevated rewards on dining/hotels, and white-glove concierge services. Choose Chase if you prioritize everyday rewards flexibility, lower costs, broader merchant acceptance, robust no-fee card options, and integrated banking services including checking accounts and investment management.

Consider: Business Model
type: HowToStep
position: 1
text: Business Model: American Express has Card issuer & payment network operator, while Chase has Bank holding company with diverse financial services.

Consider: Average Annual Fee (Premium Card)
type: HowToStep
position: 2
text: Average Annual Fee (Premium Card): American Express has $550 (American Express Platinum), while Chase has $95 (Chase Sapphire Reserve).

Consider: Global Merchant Acceptance
type: HowToStep
position: 3
text: Global Merchant Acceptance: American Express has ~95% acceptance rate globally, while Chase has ~98% acceptance rate globally.

Consider: Travel Insurance Coverage
type: HowToStep
position: 4
text: Travel Insurance Coverage: American Express has $10,000 emergency evacuation, $250,000 trip delay protection, while Chase has $5,000 emergency evacuation, $100,000 trip delay protection.

Consider: Rewards Rate on Dining
type: HowToStep
position: 5
text: Rewards Rate on Dining: American Express has Up to 4X points (Amex Platinum), while Chase has Up to 3X points (Chase Sapphire Preferred).

Consider: No-Annual-Fee Card Options
type: HowToStep
position: 6
text: No-Annual-Fee Card Options: American Express has Limited (Amex EveryDay basic card), while Chase has Extensive (Freedom Unlimited, Freedom Flex, etc.).

Consider: Small Business Support & Tools
type: HowToStep
position: 7
text: Small Business Support & Tools: American Express has Dedicated business card suite with 100+ card variants, while Chase has Business cards available but smaller portfolio.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: American Express vs Chase
review body: American Express is a card issuer and payment network known for premium rewards and business-focused benefits, while Chase is primarily a bank offering diverse card products across all credit tiers with broader merchant acceptance. American Express charges higher annual fees but provides superior travel protections, whereas Chase excels in accessibility and everyday rewards variety.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: American Express vs Chase

Base Cash Back/Points Rate
type: PropertyValue
value: American Express: 1% (Platinum points) | Chase: N/A

Bonus Rewards Category Rate
type: PropertyValue
value: American Express: 4-6x (category dependent) | Chase: N/A

Global Merchant Acceptance
type: PropertyValue
value: American Express: 94% (Amex network) | Chase: N/A

Minimum Credit Score (Entry)
type: PropertyValue
value: American Express: 700 | Chase: N/A

Foreign Transaction Fees (Premium)
type: PropertyValue
value: American Express: 0% | Chase: N/A

Airport Lounge Access
type: PropertyValue
value: American Express: 500+ lounges (premium cards) | Chase: N/A

Average Premium Card Annual Fee
type: PropertyValue
value: American Express: $550 | Chase: $95
value reference: Chase

Global Merchant Acceptance Rate
type: PropertyValue
value: American Express: 95% | Chase: 98%
value reference: Chase

Trip Delay Insurance Coverage
type: PropertyValue
value: American Express: $250,000 | Chase: $100,000
value reference: American Express

Maximum Dining Rewards Rate
type: PropertyValue
value: American Express: 4X | Chase: 3X
value reference: American Express

No-Fee Card Options Available
type: PropertyValue
value: American Express: 2 | Chase: 8
value reference: Chase

Business Card Portfolio Size
type: PropertyValue
value: American Express: 100+ | Chase: 25
value reference: American Express

Emergency Evacuation Insurance
type: PropertyValue
value: American Express: $10,000 | Chase: $5,000
value reference: American Express

Years Operating as Card Company
type: PropertyValue
value: American Express: 170+ years (founded 1850) | Chase: 160+ years (founded 1865)
value reference: Chase

Total Physical Branches
type: PropertyValue
value: American Express: N/A | Chase: 4,800

New Branches Opening (2026)
type: PropertyValue
value: American Express: N/A | Chase: 160+

Premium Service Centers
type: PropertyValue
value: American Express: N/A | Chase: 21 with expansion plan

Best Travel Rewards Card
type: PropertyValue
value: American Express: N/A | Chase: Chase Sapphire Preferred (3x points)

Digital Engagement Value
type: PropertyValue
value: American Express: N/A | Chase: Not specified

AI-Driven Personalization
type: PropertyValue
value: American Express: N/A | Chase: Standard digital banking features

Credit Card Rewards Program Depth
type: PropertyValue
value: American Express: N/A | Chase: Chase Ultimate Rewards (10+ redemption categories)

Geographic Market Coverage (2026)
type: PropertyValue
value: American Express: N/A | Chase: 30+ states

Investment Advisory Services
type: PropertyValue
value: American Express: N/A | Chase: Solid advisory offerings

Mobile App User Rating
type: PropertyValue
value: American Express: N/A | Chase: Highly rated, feature-rich

Checking Account Minimum Balance
type: PropertyValue
value: American Express: N/A | Chase: Varies by account type ($500-$15,000)

Overall Customer Satisfaction Score
type: PropertyValue
value: American Express: N/A | Chase: Ranks higher across banking metrics

Total Assets
type: PropertyValue
value: American Express: N/A | Chase: Chase

Total Loans Portfolio
type: PropertyValue
value: American Express: N/A | Chase: Chase

Credit Card Rewards Tiers
type: PropertyValue
value: American Express: N/A | Chase: Chase

Expected Loan Growth (2026)
type: PropertyValue
value: American Express: N/A | Chase: Chase

Net Interest Income Guidance (2026)
type: PropertyValue
value: American Express: N/A | Chase: Chase

Digital Banking Innovation Score
type: PropertyValue
value: American Express: N/A | Chase: Chase

Mortgage Product Competitiveness
type: PropertyValue
value: American Express: N/A | Chase: Chase

Total Assets Under Management
type: PropertyValue
value: American Express: N/A | Chase: Chase: $3.8T

Physical Branches
type: PropertyValue
value: American Express: N/A | Chase: 4,700 branches

ATM Network Size
type: PropertyValue
value: American Express: N/A | Chase: 16,000+ ATMs

Mobile App Users
type: PropertyValue
value: American Express: N/A | Chase: 42 million users

Top Credit Card Cashback Rate
type: PropertyValue
value: American Express: N/A | Chase: 5% rotating categories

Minimum Checking Balance
type: PropertyValue
value: American Express: N/A | Chase: $0 (most accounts)

Q1 2026 Net Income
type: PropertyValue
value: American Express: N/A | Chase: $8.6 billion

Wealth Management Assets
type: PropertyValue
value: American Express: N/A | Chase: $2.8 trillion

Travel Redemption Partners
type: PropertyValue
value: American Express: N/A | Chase: Hyatt + Chase Travel only

Savings Account APY
type: PropertyValue
value: American Express: N/A | Chase: Standard rates

Earning Simplicity
type: PropertyValue
value: American Express: N/A | Chase: 5+ categories

Hotel Partnership Value
type: PropertyValue
value: American Express: N/A | Chase: 1:1 Hyatt guarantee

Premium Card Features
type: PropertyValue
value: American Express: N/A | Chase: Comprehensive (Sapphire)

Base Cash Back / Points Rate
type: PropertyValue
value: American Express: N/A | Chase: 3-5x (category-based)

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American Express — Wikipedia
type: CreativeWork

Chase — Wikipedia
type: CreativeWork

Compare American Express vs Chase
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object: American Express
object: Chase

Business Card Portfolio Size
type: PropertyValue
value reference: Business Services

Emergency Evacuation Insurance
type: PropertyValue
value reference: Travel Benefits

Years Operating as Card Company
type: PropertyValue
value reference: Company History

Total Physical Branches
type: PropertyValue
value reference: Physical Presence

New Branches Opening (2026)
type: PropertyValue
value reference: Expansion

Premium Service Centers
type: PropertyValue
value reference: Luxury Services

Best Travel Rewards Card
type: PropertyValue
value reference: Credit Products

Digital Engagement Value
type: PropertyValue
value reference: Digital Innovation

AI-Driven Personalization
type: PropertyValue
value reference: Technology

Credit Card Rewards Program Depth
type: PropertyValue
value reference: Rewards

Geographic Market Coverage (2026)
type: PropertyValue
value reference: Expansion

Investment Advisory Services
type: PropertyValue
value reference: Wealth Management

Mobile App User Rating
type: PropertyValue
value reference: Digital Banking

Checking Account Minimum Balance
type: PropertyValue
value reference: Account Requirements

Overall Customer Satisfaction Score
type: PropertyValue
value reference: Service Quality

Total Assets
type: PropertyValue
value reference: Financial Strength

Total Loans Portfolio
type: PropertyValue
value reference: Lending Capacity

Credit Card Rewards Tiers
type: PropertyValue
value reference: Rewards Programs

Expected Loan Growth (2026)
type: PropertyValue
value reference: Growth Forecast

Net Interest Income Guidance (2026)
type: PropertyValue
value reference: Financial Performance

Digital Banking Innovation Score
type: PropertyValue
value reference: Technology

Mortgage Product Competitiveness
type: PropertyValue
value reference: Lending Products

Total Assets Under Management
type: PropertyValue
value reference: Financial Strength

Physical Branches
type: PropertyValue
value reference: Accessibility

ATM Network Size
type: PropertyValue
value reference: Accessibility

Mobile App Users
type: PropertyValue
value reference: Digital Banking

Top Credit Card Cashback Rate
type: PropertyValue
value reference: Rewards

Minimum Checking Balance
type: PropertyValue
value reference: Account Requirements

Q1 2026 Net Income
type: PropertyValue
value reference: Profitability

Wealth Management Assets
type: PropertyValue
value reference: Investment Services

Travel Redemption Partners
type: PropertyValue
value reference: Flexibility

Savings Account APY
type: PropertyValue
value reference: Savings

Earning Simplicity
type: PropertyValue
value reference: Usability

Hotel Partnership Value
type: PropertyValue
value reference: Travel

Premium Card Features
type: PropertyValue
value reference: Premium

Base Cash Back / Points Rate
type: PropertyValue
value reference: Rewards