AMEX Green vs Chase Sapphire Preferred - Rewards Calculator

Rewards Comparison Calculator
Compare the benefits of the AMEX Green vs the Chase Sapphire Preferred and calculate total points based on spend, point value, and point transfers.
Last Updated 2022-01-11 By R.Flowers III

The American Express® Green Card is an excellent choice in the Membership Rewards line-up if you're looking to earn rewards on travel and dining purchases. The card also features $200 in annual credits between CLEAR and LoungeBuddy.

The Chase Sapphire Preferred® Card is also top-notch when it comes to earning points on travel and dining as well as several other categories such as online shopping and select streaming services. The card offers a handful of great benefits such as a boost to point value, an annual hotel credit, and 10% bonus points every year.

Comparing Rewards

The AMEX Green Card earns Membership Rewards Points which is flexible rewards currency that has the best value when used towards travel.

The Chase Sapphire Preferred earns Ultimate Rewards Points which is also a flexible rewards currency that has the best value when redeemed towards travel.

The table below features the average value you can obtain from Membership Rewards Points and Ultimate Rewards Points earned using the AMEX Green and Chase Sapphire Preferred.

AMEX Points vs Chase Points Value
AMEX Green
  • 1.2 to 2+ Cents - Point Transfers To Partners
  • 1 Cent - Airfare via American Express Travel
  • 0.7 Cents - Other Travel via American Express Travel
  • 0.6 Cents - Statement Credits
  • 0.5 to 1 Cent - Gift Cards
  • 0.6 Cents - Amazon.com
Chase Sapphire Preferred
  • 1.2 to 2+ Cents - Point Transfers To Partners
  • 1.25 Cents - Travel via Chase Ultimate Rewards
  • 1 to 1.25 Cents - Statement Credits, Cash Back, Pay Yourself Back
  • 1 Cent - Gift Cards
  • 0.8 Cents - Amazon.com

Point Transfer To Partners

The best value you can obtain out of both Membership Rewards Points and Ultimate Rewards Points will typically come from transferring points to travel partners.

Membership Rewards Points can be transferred to 20 travel partners and Ultimate Rewards Points can be transferred to 13 travel partners.

The table below lists the side by side comparison of AMEX travel partners vs Chase travel partners and the transfer ratio of each.

Airline Miles

Airline miles are worth an average of 1.2 to 1.5 cents each, so transferring points earned in either program is a good way to obtain solid value. It's possible to obtain even higher value when redeeming points towards upper class redemptions such as First or Business class tickets.

American Express and Chase both have a great lineup of airline partners, so which is better will depend on your airline or alliance preference.

Hotel Rewards Points

Membership Rewards Points and Ultimate Rewards Points can be transferred to a small handful of hotel programs.

For Chase, World of Hyatt is hands-down the easiest transfer partner to obtain high value with. The Point Calculator values Hyatt Points at an average of 1.8 cents per point, but it doesn't take much effort to get more than 2 cents per point.

Both programs feature Marriott Bonvoy as a 1:1 transfer partner which is another great option. Marriott Bonvoy Points have an average value of 0.7 cents per point, but they have many sweet spots that can earn you over 1 cent per point in value.

American Express Travel vs Chase Ultimate Rewards

When it come to redeeming rewards through each program's respective travel portal, you'll receive significantly more value out of Chase Ultimate Rewards.

As a Chase Sapphire Preferred cardholder, Ultimate Rewards Points will be worth 1.25 cents each towards travel purchases made through Chase Ultimate Rewards thanks to the 25% point value boost the card offers.

As an AMEX Green Card member, redemptions through American Express Travel will give your points a value of 1 cent per point for airfare and 0.7 cents per point for all other travel redemptions.

Cash Back & Statement Credits

If you're big on cash-like redemptions such as cash back, statement credits, or gift cards, Ultimate Rewards Points will beat out Membership Rewards Points by a landslide.

Ultimate Rewards Points can be redeemed for 1 cent per point towards cash back, statement credits, and gift cards whereas you'll get 0.6 cents per point when using Membership Rewards Points to cover card charges and anywhere from 0.5 to 1 cent in value per point for gift cards.

Comparing Earning Rates

The AMEX Green Card and the Chase Sapphire Preferred both earn bonus points on travel and dining purchases as well as several other popular categories.

AMEX Green vs Chase Sapphire Preferred Categories
AMEX Green Card
  • 3 Membership Rewards Points per $1 spent on travel and transit, and at restaurants
  • 1 Membership Rewards Point per $1 spent on everything else
Chase Sapphire Preferred
  • 5 Ultimate Rewards Points per $1 spent on the Chase Travel Portal
  • 3 Ultimate Rewards Points per $1 spent on dining, online grocery, and streaming services
  • 2 Ultimate Rewards Points per $1 spent on travel
  • 1 Ultimate Rewards Point per $1 spent on everything else

The value you get out of spending across the categories featured on both cards will depend on how you plan on redeeming your rewards.

For example, the 3X points earned using the AMEX Green Card can be worth as low as 0.6 cents per point when used towards statement credits for a 1.8% return or as much as 2 cents each for a 6% return when transferring to partners.

The 3X points earned with the Chase Sapphire Preferred can be worth as low as 1 cent per point for cash back for a 3% return or as much as 2 cents per points when transferred to partners for a 6% return.

With cards that feature flexible rewards, you usually cannot go off of how many points the card earns alone as the value of points can heavily fluctuate depending on the redemption.

Comparing Benefits

The AMEX Green Card offers $200 in annual credits along with the standard suite of American Express benefits such as complimentary ShopRunner membership and AMEX Offers.

The Chase Sapphire Preferred offers an annual $50 hotel credit, a 10% cardmember anniversary bonus and a 25% boost to point value when redeemed for travel via Chase Ultimate Rewards.

AMEX Green Card vs Chase Sapphire Preferred Benefits
AMEX Green Card
  • $100 CLEAR Credit: Get up to $100 back when you use your card to pay for CLEAR Membership
  • $100 LoungeBuddy: Get up to $100 back when you use your card to pay for lounge access through LoungeBuddy
Chase Sapphire Preferred
  • 25% Point Value Boost: You'll receive a 25% point boost when you redeem points on the Chase Ultimate Rewards Portal
  • Annual $50 Hotel Credit: You'll receive a $50 credit every cardmember anniversary that can be used towards hotel stays booked through the Chase Ultimate Rewards Travel portal
  • 10% Cardmember Anniversary Bonus: Every cardmember anniversary you'll receive 10% bonus points based on how much you spent on the card the prior cardmember year
  • Fantastic Travel Insurance: Trip Cancellation, Trip Interruption, Baggage Delay, Trip Delay, and more

Point Calculator

Calculate how many points you can earn with the AMEX Green Card vs the Chase Sapphire Preferred side by side based on your spend. You'll also be able to calculate the average cash value of the points earned, the transfer of points to partners, and the cash value of each card.

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