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Keep in mind the Centurion Lounge by AMEX in all the airports are way better than those offered by CSR. Chase works with Priority Pass for providing cardholders the access to those lounges under Priority Pass program.
However, it does not make a big of a difference for this if you do not travel enough to enjoy these better lounges. Go with the card that offers more bonuses (points, credit, etc...).
From my experience, redeeming hotel through CSR portal has been very easy. I would imagine AMEX offers the same level of experience though.
Got to check out the 100k points you guys are talking about though.
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