They are airlines -- SQ is Singapore Airlines, BA is British Airways, and AF is Air France. Both Chase UR and Amex MR allow you to transfer points to various airlines' frequent flyer programs, which can be lucrative ways to make use of those points (though it can also require flexibility and a good amount of homework). Those three happen to be partners with both Chase and Amex. So if you had 50K Chase UR points and 50K Amex MR points, you could transfer them both to a single Singapore Airlines account for example and you would have 100K Singapore Airlines points.

Both programs also have various partners that are not shared -- for example you can transfer Amex MR points to Delta, but not Chase points, and you can transfer Chase UR points to United, but not Amex points. So in the 50K/50K split case, you could get 50K Delta points and 50K United points, but there's no way to get 100K points in either of those single programs.

Basically, you have the right impulse to try to keep yourself from being spread too thinly across multiple programs. I was just pointing out that in a few cases, MR and UR points can complement each other. But unless you specifically know that you are interested in making use of one of the transfer partners that is shared between the two programs, it's probably best to focus on earning in one program or the other.