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American Express Credit Cards, Rewards & Banking versus Chase Online (Chase.com)
Compare	American Express Credit Cards, Rewards & Banking	Chase Online (Chase.com)
Verdict	Depends	Depends
Best for	Frequent travelers who use perks	Full-service banking under one roof
Who it's not for	Anyone carrying a month-to-month balance	Fee-averse savers . credit unions and SoFi fit better
Privacy	Mature security program with a public HackerOne response policy; one disclosed breach in March 2024.¹⁰	Strong fraud tooling (Zero Liability, 24/7 monitoring, encryption), but repeated public data-exposure incidents.
Support quality	US News praises service; Trustpilot reviewers disagree.	Rude, unhelpful reps dominate reviews
Public sentiment	Editorial reviewers rate Amex cards among the best for rewards and service, but Trustpilot users were mostly disappointed.^⁴	Across 28,500+ WalletHub ratings and 541 Trustpilot reviews, users complain most about slow transaction posting and poor customer service.^³
Biggest gotcha	466 Trustpilot reviewers report disappointment despite strong editorial ratings . a service gap^⁴	Support complaints: rude reps, basic rewards questions unanswered^³

Pick American Express Credit Cards, Rewards & Banking when

Frequent travelers who use perks
Households with heavy supermarket spend
Small business owners
People who pay balances in full monthly

When American Express Credit Cards, Rewards & Banking is not a fit

Anyone carrying a month-to-month balance
People wanting a simple no-fee card
Applicants below good credit . approval bars vary by card
Travelers needing near-universal acceptance abroad

Pick Chase Online (Chase.com) when

Full-service banking under one roof
Branch plus app users
Travel rewards card seekers
Mortgage and auto borrowers

When Chase Online (Chase.com) is not a fit

Fee-averse savers . credit unions and SoFi fit better
Anyone needing responsive support . reviews say reps are unhelpful
People watching transactions daily . two-day posting lags reported

Sources

Best American Express Cards . NerdWalletnerdwallet.com
review
12 Best American Express Credit Cards . The Points Guythepointsguy.com
review
American Express Credit Card Reviews . WalletHubwallethub.com
review
American Express Global Reviews . Trustpilottrustpilot.com
review
Best American Express Credit Cards . U.S. Newsmoney.usnews.com
review
Best American Express Credit Cards . Bankratebankrate.com
review
American Express Security Rating . UpGuardupguard.com
security
American Express Response Policy . HackerOnehackerone.com
security
American Express data breach . PureIDpureid.io
security
American Express Data Breach March 2024 . Security Blueprintssecurityblueprints.io
security
Does Amex work in China? . Wisewise.com
news
American Express official siteamericanexpress.com
official
Chase.com homepagechase.com
official
Chase Security Centerchase.com
official
Trustpilot reviews of creditcards.chase.comca.trustpilot.com
review
Chase Mortgage Reviews from Real Customersconsumeraffairs.com
review