American Express Platinum Card vs Chase Sapphire Reserve
Side-by-side comparison of rewards, fees, and benefits
American Express Platinum Card
Amex
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Chase Sapphire Reserve
Chase
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American Express Platinum Card comes out ahead by $330/yr at a typical $24,000/yr spending profile.
See the assumptions and math
Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.
| Card | Rewards | Credits | Fee | Net/yr |
|---|---|---|---|---|
| American Express Platinum Card | $480 | $640 | -$895 | $225 |
| Chase Sapphire Reserve | $312 | $378 | -$795 | $-105 |
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 |
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food. | 1x | 3x |
Streaming Subscriptions like Netflix, Spotify, Disney+, etc. | 1x | 1x |
Internet Home internet and cable bills. | 1x | 1x |
Cell Phone Cell phone bills (may incur processing fees). | 1x | 1x |
Home Utilities Electricity, gas, water, sewer, trash. | 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
Chase Sapphire Reserve earns more on travel (8x flights vs 5x). Chase Sapphire Reserve excels at everyday spending like dining. Chase Sapphire Reserve has a lower annual fee ($795 vs $895). Your best choice depends on where you spend the most.
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