Good evening everyone, I hope your week is going well. A few weeks ago, I started using my Chase Sapphire Reserve Credit Card as my go to restaurant and grocery store card. Both categories earn 3x Chase Ultimate Rewards Points on the CSR. That sounds pretty good until I explain that I could use my American Express Gold Card to earn 4x American Express Membership Rewards Points on those same categories. Why would I want to earn 3x instead of 4x? The answer is simple: Chase Ultimate Rewards Points are much easier for me to redeem.
As you can see by these screenshots that I took today, I only have 1,235 Chase Ultimate Rewards Points, compared to 364K Citi ThankYou Points and 479K American Express Membership Rewards Points. Let me dig a little deeper into the reasons why the points balances are so different.