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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$3,663/yr
Annual Fee-$795
Net Value+$2,868
The Platinum Card from American Express
American Express · $895/yr fee
Total Value$4,032/yr
Annual Fee-$895
Net Value+$3,137
Amex Platinum wins by $269/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 Reserve | Amex 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 (7)
Global Entry / TSA PreCheck Credit
$30vs$30
Priority Pass Select
$200vs$200
Car Rental Loss & Damage Insurance
$200vs$125
Trip Cancellation/Interruption Insurance
$150vs$100
Purchase Protection
$100vs$100
No Foreign Transaction Fees
$50vs$50
Hotel Credit
$500vs$600
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
$420/yrShopping & Lifestyle
Chase Sapphire Lounge Access
$200/yrTravel Perks
Trip Delay Reimbursement
$75/yrInsurance & Protection
Return Protection
$50/yrInsurance & Protection
Travel Accident Insurance
$10/yrInsurance & Protection
Apple Music Subscription
$132/yrShopping & Lifestyle
Chase Travel Hotels Credit
$250/yrStatement Credits
Apple TV+ Subscription
$156/yrShopping & Lifestyle
Only on Amex Platinum (13)
Digital Entertainment Credit
$300/yrStatement Credits
Resy Dining Credit
$400/yrStatement Credits
Lululemon Credit
$300/yrStatement Credits
Saks Fifth Avenue Credit
$100/yrStatement Credits
Walmart+ Credit
$155/yrStatement Credits
Centurion Lounge Access
$300/yrTravel Perks
Cell Phone Protection
$83/yrInsurance & Protection
Hotel Elite Status
$100/yrTravel Perks
Uber Cash Credit
$180/yrStatement Credits
Airline Fee Credit
$200/yrStatement Credits
CLEAR Plus Credit
$209/yrStatement Credits
Equinox Credit
$300/yrStatement Credits
Oura Ring Credit
$200/yrStatement Credits
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