American Express Platinum Card vs Chase Sapphire Reserve
Side-by-side comparison of rewards, fees, and benefits
American Express Platinum Card
Amex
175,000 pts bonus
Chase Sapphire Reserve
Chase
125,000 pts bonus
Redemption Strategy
How you redeem points affects their value. Cash back is simplest, transfer partners offer the best value but require more effort.
Booking through the card issuer's travel site. Point values adjust automatically.
Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers. | American Express Platinum CardAmex | Chase Sapphire ReserveChase |
|---|---|---|
Annual Fee | $895 | $795 |
Sign-Up Bonus | Up to 175,000 pts | 125,000 pts |
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners). | 1.0¢(Travel Portal) | 1.5¢(Travel Portal) |
Dining | 1x | 3x |
Grocery | 1x | 1x |
Flights | 5x via Amex Travel or airline1x other | 8x via Chase Travel4x booked direct |
Hotels | 5x prepaid via Amex Travel1x other | 8x via Chase Travel4x booked direct |
Gas | 1x | 1x |
Online Shopping | 1x | 1x |
Everything Else | 1x | 1x |
Streaming Subscriptions like Netflix, Spotify, Disney+, etc. | 1x | 1x |
Internet Home internet and cable bills. | 1x | 1x |
Phone Cell phone bills (may incur processing fees). | 1x | 1x |
Travel/Airline Credit | $200airline fee only | $300broad travel |
Est. Perks Value | Up to $2,884varies by usage* | $828varies by usage* |
Lounge Access | Yes | Yes |
* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).
Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.
CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.
Quick Verdict
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