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Amex MR (Personal) vs. Chase UR
On the published numbers, Chase UR carries the higher valuation, but the right answer depends on where you actually fly or stay.
At a glance
| Amex MR (Personal) | Chase UR | |
|---|---|---|
| TPG valuation | 2.0¢ | 2.0¢ |
| NerdWallet valuation | — | — |
| Currency | Transferable | Transferable |
| Expiration | Does not expire | Does not expire |
| Parent | American Express | JPMorgan Chase |
Amex Membership Rewards (Personal)
We specialize in liquidating high-value Amex balances. Our team coordinates with you directly by phone to ensure a smooth, secure transfer process, keeping your account details completely confidential.
- ANA First Class via Virgin Atlantic:85,000 to 100,000points via Virgin Atlantic Flying Club
- Singapore Suites, US to Singapore via Frankfurt:125,000 to 155,000points via Singapore KrisFlyer
- Delta One, US transcon:60,000 to 90,000points via Delta SkyMiles
Chase Ultimate Rewards
We protect your privacy and accounts. Every transaction is handled manually by a dedicated loyalty specialist. We never share credentials or use automated bots, managing the entire process carefully from start to finish.
- Park Hyatt Tokyo, 5 nights:135,000 to 160,000points via World of Hyatt
- United Polaris Business, US to Europe one-way:80,000 to 105,000points via United MileagePlus
- British Airways Club World, Transatlantic:70,000 to 100,000points via British Airways Avios
When to sell either for cash
If neither balance lines up with a redemption that beats its cash value, selling is the move. The payout is personalized, so check a quote for whichever balance you are sitting on.
FAQ
Frequently Asked Questions
Common questions, answered straight.
Independent valuations put Amex MR (Personal) near 2.0 cents and Chase UR near 2.0 cents. A valuation is an average, though. What you get depends on the specific redemption you can book.
Not directly. These are separate programs. The transferable one moves to airline and hotel partners, but not to the other.
If you do not have a redemption that beats the cash value, selling can win for either. The payout is personalized to your balance, so request a quote to compare it against what you could book.
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