If you ask a reward lover which Travel credit cards The most popular today, American Express Chase Sapphire Reserve® and Platinum cards are usually the ones that come to mind. Both offer great rewards, flexible redemption options and a set of luxurious perks to help you upgrade your travel experience.
Also, there must be a large number of branches Annual fees About each card – $795 for the recently updated Chase Sapphire Reserve and $695 for the Amex Platinum. Both Chase Sapphire Reserve and Amex Platinum are valuable in terms of cardholder benefits and reward programs, but many of them overlap (such as airport lounge access and annual travel credits).
So how do you decide on Amex Platinum and Chase Sapphire Reserve? Find out when to read and when to consider Which travel credit card will you choose? It will make you better.
Main details
When you compare Chase Sapphire Reserve and American Express Platinum CardHere are the main details to consider:
| card | Chase Sapphire Reserve® | American Express Platinum Card |
|---|---|---|
| Welcome bonus |
|
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| Remuneration rate |
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| Annual fees | $795 | $695 |
Chase Sapphire Reserve vs. American Express Platinum Highlights
Both of these Top Travel Credit Cards Included Flexible Remuneration Program And, while an array of important travel perks, they aren’t necessarily equal to cards. Here’s how these compare:
Which cards make the most money?
The main reason to sign up for one of these cards is to earn rewards and earn important travel perks. But which credit cards will lead to the best overall return? It really depends on your spending style and how much you spend during a given year.
Amex Platinum could be beneficial for people who spend a lot on airfares and hotels (especially if booked with American Express Travel), but Chase Sapphire Reserve’s reward rate for purchases booked through the travel portal will likely push the revenues they can earn at the top.
Examples of spending
Imagine you travel a lot and bill most of your travel and personal expenses with a credit card every year. Here’s an example of what your monthly expenses will look like if that was the case.
- 2,000 dollars for regular purchases (utilities invoices, groceries, gas, etc.)
- $900 for airfares booked through Chase or American Express Travel
- $600 for hotel stays booked through Chase or American Express Travel
- $200 for a car rental
This spending example earns 14,200 Chase Ultimate Rewards points that month on Chase Sapphire Reserve or 9,900 points on Amex Platinum. The chart below shows how these reward rates occur for each category.
| The amount spent | Chase Sapphire Reserve | Amex Platinum | |
|---|---|---|---|
| Regular purchases | $2,000 | 2,000 points | 2,000 points |
| Airfares | $900 | 7,200 points if booked with Chase Travel | 4,500 points when booked with American Express Travel |
| Hotel stays | $600 | 4,800 points for hotels booked through Chase Travel | 3,000 points when booked with American Express Travel |
| Car rental | $200 | 200 with direct booked car rentals | 400 points for rental cars booked on American Express Trips |
| total: | $3,700 a month | 14,200 points | 9,900 points |
In this example, Chase Sapphire Reserve leaves you first. However, it is important to understand that this card only offers the top reward rate (8x points) for trips booked via Chase. You can also earn 4x points booked directly at the airfare and hotel, and only 1x points on all other travel purchases and other spending. This means there is much less flexibility and a lot of potential to acquire, but the same can be said for the Amex Platinum.
With Amex Platinum, you only earn 5x points on airfares booked directly with the airline. Book your hotel directly or on a third-party travel booking site and earn just 1x points per dollar.
Why do I need to get a Chase Sapphire Reserve?
The Chase Sapphire Reserve is perfect for those who want to earn 8x points on trips booked with Chase. Also, this card makes sense as you can get twice as much value on your reward when redeeming for travel through Chase or using the Point Boost program.
Furthermore, to earn 5x points on Lyft purchases (until September 30, 2027), Chase Sapphire Reserve is well worth it For those who use this ride-sharing company frequently, especially for long and expensive rides.
Why do I need to get an Amex Platinum?
The Amex Platinum is perfect for frequent travelers who can book airfares and hotels through American Express Travel. This card is for those who want the widest airport lounge access available, or Frequently use uber or uber diet.
Conclusion
These two Elite Credit CardWhich would make you better? The answer depends mainly on the category where you spend the most money each month, whether your airline and hotel partners make the most sense for your regular travel plans, and which cards you think are most valuable.
Overall, Chase Sapphire Reserve’s reward rate is better than Amex Platinum, and is equivalent in benefits considering the annual fee. Still, you need to continue your research to see which of these cards is suitable for your individual needs using bankrates. Card Comparison Tool. And don’t forget to compare these cards with other cards Top Reward Cardsincluding others I’ll chase my credit card and AMEX Credit Card.
Eligibility and profit level vary by card. Conditions, conditions, and restrictions apply. For more information, please visit AmericanExpress.com/benefitsGuide. The Amex Assurance Company took on it.
