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Chase Sapphire Reserve vs The Platinum Card from American Express
Every benefit and earning rate compared in real dollars
Chase Sapphire Reserve
Chase · $795/yr fee
Total Value$3,331/yr
Annual Fee-$795
Net Value+$2,536
The Platinum Card from American Express
American Express · $895/yr fee
Total Value$4,172/yr
Annual Fee-$895
Net Value+$3,277
The Platinum Card from American Express wins by $741/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | Chase Sapphire | The Platinum |
|---|---|---|
| Chase Travel bookings | 8x | — |
| Flights (direct or Amex Travel) | — | 5x |
| Prepaid hotels (Amex Travel) | — | 5x |
| Flights (direct) | 4x | — |
| Hotels (direct) | 4x | — |
| Dining | 3x | — |
| All other purchases | 1x | 1x |
Benefits Both Cards Share (5)
Global Entry / TSA PreCheck Credit
$30vs$30
Chase Sapphire Lounge Access
$200vs$200
Car Rental Loss & Damage Insurance
$200vs$125
Trip Cancellation/Interruption Insurance
$150vs$100
Purchase Protection
$100vs$100
Only on Chase Sapphire Reserve (13)
Annual Travel Credit
$300/yrStatement Credits
Dining Credit
$300/yrStatement Credits
StubHub / viagogo Credit
$300/yrStatement Credits
Lyft Monthly Credit
$120/yrStatement Credits
Peloton Membership Credit
$120/yrStatement Credits
DoorDash DashPass
$396/yrShopping & Lifestyle
Apple TV+ Subscription
$100/yrShopping & Lifestyle
Apple Music Subscription
$130/yrShopping & Lifestyle
Trip Delay Reimbursement
$75/yrInsurance & Protection
Return Protection
$50/yrShopping & Lifestyle
Travel Accident Insurance
$10/yrInsurance & Protection
No Foreign Transaction Fees
$50/yrAccount Perks
Hotel Credit
$500/yrStatement Credits
Only on The Platinum Card (14)
Airline Fee Credit
$200/yrStatement Credits
Uber Cash Credit
$320/yrStatement Credits
Digital Entertainment Credit
$300/yrStatement Credits
Resy Dining Credit
$400/yrStatement Credits
Hotel Credit
$600/yrStatement Credits
Lululemon Credit
$300/yrStatement Credits
Saks Fifth Avenue Credit
$100/yrStatement Credits
Walmart+ Credit
$155/yrStatement Credits
CLEAR Plus Credit
$209/yrStatement Credits
Equinox Credit
$300/yrStatement Credits
Oura Ring Credit
$200/yrStatement Credits
Cell Phone Protection
$83/yrInsurance & Protection
No Foreign Transaction Fees
$50/yrAccount Perks
Hotel Elite Status
$100/yrTravel Perks
Have one of these cards?
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