3x Chase vs 4x Amex Dining Rewards: Which Credit Card Earns More Value in 2026?
Quick Answer For most people, 3x Chase Ultimate Rewards beats 4x Amex Membership Rewards on dining, because Chase guarantees a 1¢-per-point cash-back floor while Amex’s floor runs closer to 0.6¢. Chase’s transfer partners (Hyatt, United, British Airways) also tend to deliver more consistent award value for U.S. domestic travelers. The math flips if you fly … Read more