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Head to head
Amex Platinum vs Chase Sapphire Reserve
Amex Platinum vs Chase Sapphire Reserve: Quick Verdict
On listed credits alone, the Amex Platinum comes out $740 a year ahead if you use them all. The Chase Sapphire Reserve is $100 a year cheaper to keep. Which one is better depends on the credits you would actually use and where you spend, so compare the earning rates below.
Annual Fee Comparison
The Amex Platinum costs $895 a year and the Chase Sapphire Reserve costs $795 a year, a difference of $100 a year.
If you use every listed credit, the Amex Platinum returns $3,504 a year ($2,609 more than its fee) and the Chase Sapphire Reserve returns $2,664 ($1,869 more than its fee). Credits that need a spending threshold are not counted.
Statement Credits and Perks Compared
- $300 Fine Hotels & Resorts Credit$300 / 6mo
- $250 Airbnb Experiences Credit$250 / yr
- $300 Digital Entertainment Credit$25 / mo
- $400 Resy Dining Credit$100 / qtr
- $200 airline fee credit$200 / yr
- Airport Lounge Access: Delta Sky Clubs
- $219 CLEAR+ Credit$219 / yr
- $300 Lululemon Credit$75 / qtr
- Southwest Airlines A-List Status (Big Spend Bonus)
- World of Hyatt Explorist Status (Big Spend Bonus)
- Annual Travel Credit$300 / yr
- The Edit by Chase Travel Credit (1 of 2)$250 / yr
- Select Chase Travel Hotels Credit$250 / yr
- The Edit by Chase Travel Credit (2 of 2)$250 / yr
- Apple TV+ and Apple Music Subscription$324 / yr
- Monthly Lyft Credit$10 / mo
Earning Rates Side by Side
| Category | Amex Platinum | Chase Sapphire Reserve |
|---|---|---|
| Dining | - | 3x |
| Flights | 5x | 4x |
| Hotels | 5x | 4x |
| Rideshare | - | 5x |
| Travel general | 2x | 8x |
| Everything else | 1x | 1x |
Which Card Is Better for Travel?
The Amex Platinum earns 5x points ≈ 7.5% back (1.5¢/pt) on flights. The Chase Sapphire Reserve earns 4x points ≈ 6% back (1.5¢/pt) on flights. On catalog rates, the Amex Platinum returns more on travel.
Which Card Is Better for Everyday Spending?
The Amex Platinum earns 1x points ≈ 1.5% back (1.5¢/pt) on everything else. The Chase Sapphire Reserve earns 1x points ≈ 1.5% back (1.5¢/pt) on everything else. On catalog rates, the two cards return about the same on purchases outside bonus categories.
Returns use Creddy's point values, as on the best-card rankings. Caps, portal rules and redemption choices change what you actually get.
Guides for comparing card value
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Amex Platinum vs Chase Sapphire Reserve FAQs
Amex Platinum vs Chase Sapphire Reserve - which is worth it?
Neither Amex Platinum nor Chase Sapphire Reserve is better for everyone. Compare the benefits and earning-rate tables for eligible purchases, portal requirements, caps and usable credits, then subtract each annual fee using the same spending and redemption assumptions. Include interest and other charges if you carry a balance.
What is the annual fee difference between the amex platinum and chase sapphire reserve?
Creddy's September 26, 2026 catalog lists $895 for Amex Platinum and $795 for Chase Sapphire Reserve, a $100 difference in standard annual fees. Check first-year waivers, additional-card fees and current issuer pricing before deciding.
Which has better benefits, the amex platinum or the chase sapphire reserve?
Neither Amex Platinum nor Chase Sapphire Reserve is better for everyone. Compare the benefits and earning-rate tables for eligible purchases, portal requirements, caps and usable credits, then subtract each annual fee using the same spending and redemption assumptions.
Can I have both the amex platinum and the chase sapphire reserve?
It may be possible to hold both Amex Platinum and Chase Sapphire Reserve if you meet each issuer's current account and application rules. Approval and welcome-bonus eligibility are separate; business cards also have business eligibility requirements. Compare the combined fees with value you would actually use.
Which is easier to get approved for, the amex platinum or the chase sapphire reserve?
Creddy cannot predict which application will be approved. Each issuer evaluates your credit profile and application under its current rules; a prequalification result or a bonus eligibility rule is not an approval guarantee.