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Chase Sapphire Reserve vs The Platinum Card from American Express
The short answer
- The The Platinum Card from American Express costs $100 more a year than the Chase Sapphire Reserve.
- At our point valuations the Chase Sapphire Reserve earns more on dining.
- The The Platinum Card from American Express earns more on travel.
- The The Platinum Card from American Express has the bigger welcome offer: about $3,500 in value vs $2,000 for the Chase Sapphire Reserve.
Side by side
| Chase Sapphire Reserve | The Platinum Card from American Express |
|---|
| Annual fee | $795 | $895 |
| Welcome offer | 100,000 after $6,000 in 3 months (≈ $2,000) | 175,000 after $12,000 in 6 months (≈ $3,500) |
| Earns on dining | 3x (≈ 6%) | 1x (≈ 2%) |
| Earns on groceries | 1x (≈ 2%) | 1x (≈ 2%) |
| Earns on travel | 4x (≈ 8%) | 5x (≈ 10%) |
| Earns on gas | 1x (≈ 2%) | 1x (≈ 2%) |
| Earns on everything else | 1x (≈ 2%) | 1x (≈ 2%) |
| Rewards | Chase Ultimate Rewards | Amex Membership Rewards |
| Network | Visa | Amex |
| KritScore | 68 | 73 |
| Highlights | Priority Pass + Sapphire Lounges (+2 guests) · Full Chase transfer partners · IHG Platinum Elite status through 2027 · Points Boost: up to 2x via Chase Travel · Hyatt/IHG/Southwest status at $75k spend | 1,550+ lounges incl. Centurion & Priority · Marriott Gold + Hilton Gold status · Fine Hotels + Resorts perks · 10 Delta Sky Club visits a year · Avis, Hertz & National car status |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Chase Sapphire Reserve better than the The Platinum Card from American Express?
The The Platinum Card from American Express costs $100 more a year than the Chase Sapphire Reserve. At our point valuations the Chase Sapphire Reserve earns more on dining. The The Platinum Card from American Express earns more on travel. The The Platinum Card from American Express has the bigger welcome offer: about $3,500 in value vs $2,000 for the Chase Sapphire Reserve.
What is the annual fee on the Chase Sapphire Reserve and the The Platinum Card from American Express?
The Chase Sapphire Reserve: $795 a year. The The Platinum Card from American Express: $895 a year.
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