While welcome bonuses are only 1 element in the cards’ offerings, looking at the long-term value, in addition to the welcome bonus, allows you to pick a card that’s going to work best for you beyond the first year. With matching $550 annual fees (see Amex Platinum rates and fees), the math gets a bit easier, though the ways in which you recoup that value still differs heavily between the two cards. With 18 airline transfer partners, there are more options for premium-cabin award redemptions with the Amex Platinum Card versus the 9 airline transfer partners with the Chase Sapphire Reserve card. The Amex Platinum Card clearly excels in providing airport lounge access and hotel program elite status. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. The Platinum Card has a complimentary Boingo Wi-Fi Preferred plan that comes with the card, although this benefit is being discontinued for existing members December 31, 2019 and no longer available for new members. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Both cards offer Executive status, not Executive Elite. Better yet, these bookings are treated like cash tickets, meaning you’ll earn redeemable and elite miles on them, further increasing your value. The Amex Platinum card includes up to $200 Uber Cash credit, split up into up to $15 increments each month (sans December which gets up to $35 credit). This subscription is usually $9.99 monthly and includes free delivery and discounted service fees on select DoorDash orders over $12. Bottom Line: With access to over 1,300 airport lounges worldwide across several lounge networks, including the exclusive Centurion Lounges, the Amex Platinum card provides greater lounge access benefits than the Chase Sapphire Reserve card. Question. So what do you get in exchange for that upfront cost? Both cards offer the flexible option of transferring points to travel partners for the potential of even greater value for your points. Both cards do have temporary bonus categories to consider, too. I have combined the Reserve with the Hilton Honors Aspire card and the Amex Gold card to cover most of mine, for example. If you’re able to take advantage of all the annual statement credits and luxury perks, these cards actually complement each other well. Although the welcome bonus that comes with the Chase Sapphire Reserve is slightly lower than the bonus on The Platinum Card, it’s worth more in the end. For rates and fees of the Amex Business Platinum card, click here. This site does not include all credit card companies or all available credit card offers. Lyft Pink is a subscription service that Lyft sells outright for $19.99 per month. The Chase Sapphire Reserve is a much simpler story. Without this benefit, it’s not unheard of to see rates of $50 per person for a day pass or $700 for an annual membership. If you opt for the Platinum, be sure to check the transfer ratio with your desired airline or hotel partner. Additionally, both cards also allow 2 additional guests, at no charge, to most lounges. The $300 annual travel credit is extremely flexible, easy to use, and doesn't require any registration. Will a lounge that I can use with the platinum card ever come to ORD or CLT? If all hotel purchases were qualifying bookings (prepaid hotel purchases made through Amex Travel), you would earn 44,000 Membership Rewards points versus 36,000 Ultimate Rewards points. However, when you take into consideration the amazing value of the 10x bonus categories in the first six months, the Amex Platinum does pull ahead in the short term. Any other cards to consider? Featured photo by Josh Gribben/The Points Guy. This is added to your Uber account as Uber Cash and can be used towards any Uber ride in the U.S. For The Platinum Card, you can earn the Welcome Bonus after you spend after you spend $5,000 in purchases within your first six months. The Chase Sapphire Reserve card’s redemption rate of 1.5 cents per point results in a great value when redeeming for inexpensive flights via the Ultimate Rewards Travel Portal, for Pay Yourself Back qualifying purchases, and also when transferring to select airline partners for premium flights. We’ve recently put together a list of cards that carry trip cancellation, interruption, and delay. On the other hand, the Chase Sapphire Reserve is offering 3x on groceries (up to $1,000 per month) through April 30, 2021. It will NOT be published. Only prepaid hotels and flights purchased from Amex Travel and flights purchased from the airline receive elevated 5x earnings on the Amex Platinum card. You can also currently redeem points at a 50% bonus on eligible purchases through the card’s Pay Yourself Back feature. The Sapphire Reserve is known for it's excellent return on travel and dining purchases, the 50% boost in point value for Chase Travel Portal redemptions, and the superb travel coverage Chase provides. Value will vary based on the airline or hotel program. Then, they cancelled that benefit. Regardless of which card you select, if you can utilize the offered benefits, you’ll receive value far beyond the cost of either annual fee. American Express Global Lounge Collection, When to book through Amex Fine Hotels & Resorts vs. Chase Luxury Hotel and Resort Collection, Guide to the Amex Platinum $200 airline-fee credit, 12 months of complimentary access to Uber Eats Pass, $100 Amex Platinum Saks Fifth Avenue credit, Amex’s growing collection of Centurion Lounges, Gold elite status with both Marriott and Hilton. Membership Rewards points can be redeemed for 1 cent per point towards travel with Amex Travel and Chase Ultimate Rewards points receive 1.5 cents per point when redeemed for travel on the Chase Ultimate Rewards travel portal. If you dig a little deeper, you’ll likely find that one of these cards is a better fit for your travel preferences and spending patterns. One of the card benefits that can directly offset the cost of a credit card’s annual fee is the credits you receive after making specific purchases. Chase Sapphire Preferred vs American Express Platinum 2021 Best Welcome Bonus: Chase Sapphire Preferred vs American Express Platinum Chase Sapphire Preferred Card. For rates and fees of the Amex Platinum, click here. Additionally, Amex can’t be used at Priority Pass restaurants but Chase can. This gives you access to exclusive discounts and UberX VIP and Uber Black VIP rides. TPG values Ultimate Rewards points at 2 cents each, making this bonus worth $1,000. On the airline side of things, popular redemption options include United Airlines, Southwest Airlines, British Airways, Virgin Atlantic and Air France-KLM, although the last three also partner with Amex Membership Rewards. While the Chase Sapphire Reserve card only offers access to Priority Pass lounges, the lounge network consists of over 1,300 locations worldwide. With the Chase Sapphire Reserve card, you’re going to earn 3 points per dollar spent on all travel regardless of how you purchase. Redeem for 1 cent per point on Amex Travel, Redeem for 1.5 cents per point on Ultimate Rewards Travel Portal or, 21 airline/hotel partners, most with a 1:1 transfer ratio; a small fee applies to transfers, 13 airline/hotel partners, 1:1 transfer ratio, Statement credits, gift cards, Amazon, Uber, Ticketmaster, redeem with shopping partners, Statement credits, gift cards, Amazon, Apple, Chase experiences, That's $750 toward travel when you redeem through Chase Ultimate Rewards®, Terms Apply. When it comes to complimentary lounge access, the Amex Platinum card not only offers access to more than 1,300 lounges worldwide with Priority Pass, but to 6 additional lounge networks including the prestigious Centurion Lounges. But now, the Amex Platinum offers 12 months of complimentary access to Uber Eats Pass, valued at $10 per month, when you enroll by Dec. 31, 2021. ALL RIGHTS RESERVED. You could sign up for AA Business Extras program and use those points to purchase Admiral’s Club lounge day passes at 300 points each. The different flavors of American Express Platinum — which one is right for you? When comparing shopping protections and benefits, both cards offer similar coverage: Bottom Line: While one does not select a premium travel rewards credit card based solely on shopping-related protections, it is good to know that both cards offer similar shopping coverage. Chase Ultimate Rewards can be worth more when redeemed through the Ultimate Rewards travel portal. Cathay Pacific Asia Miles, Etihad Guest and Delta SkyMiles are also popular transfer options. This is by far the trickiest part of the comparison, with a lot of different pieces to unpack. As you mentioned, unless you’re flying internationally and using terminal 5 at ORD, you’re limited to AA, DL, and UA lounges. Based on this spending mix, you will have earned 32,000 Membership Rewards points with the Amex Platinum card and 36,000 Ultimate Rewards points with the Chase Sapphire Reserve card. The AMEX Platinum as of 01/01/20 offers trip cancellation/interruption and trip delay insurance. For an explanation of our Advertising Policy, visit this page. It’s also the one where your own personal preferences might sway you the most to one card or another. Two of the best premium travel rewards credit cards available are The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. 1 option is to transfer your points to airline or hotel programs; both programs allow you to do this. Chase Sapphire Reserve: Amex Platinum: Special Offer: Earn 50,000 points after spending $4,000 on purchases in the first 3 months Earn 75,000 Membership Rewards points after spending $5,000 in the first 6 months, plus 10X points on purchases at U.S. gas stations and U.S. supermarkets for first 6 months (on up to $15,000 combined) Please view our advertising policy page for more information. The annual fee of both is $550. The Amex Platinum card has strengths that center on luxury travel benefits with elevated earnings narrowed to specific travel purchases. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Amex Platinum, with its $550 annual fee (see rates and fees), is currently offering new applicants 75,000 Membership Rewards points after they spend $5,000 in purchases in the first six months of account opening, although it’s worth checking to see if you’re targeted for a higher offer through the CardMatch tool. Related: December roundup: The latest credit card benefit changes you need to know about. Additionally, frequent travelers are sure to love the priority airport pickups that come with Lyft Pink status. However, not everyone uses a ride-sharing service once a month, which means the 10x bonus points on Lyft rides might be a more valuable option. Related reading: Amex Membership Rewards vs Chase Ultimate Rewards: Which is the best? Thanks for reading. Both cards are equally impressive premium travel rewards cards, so how do you decide? This calculation is based on the assumption that flights were qualifying purchases earning 5 points per dollar with the Amex Platinum card. Great suggestion and feedback for a future article but I probably won’t be doing that for this particular article. Hotel and Rental Car Program Elite Benefits, Additional Benefits Offered by Both Cards, For rates and fees of The Platinum Card® from American Express, click. When it comes to the Welcome Bonus, The Platinum Card from American Express offers a 75,000 Membership Rewards whereas the Chase Sapphire Reserve offers 50,000 Ultimate Rewards points. A small correction: the free WiFi is only available on the Amex BUSINESS Platinum card. However, the number of partners themselves should not be the only factor at play here. The value of your rewards points, when redeemed for travel, will depend on how the points are redeemed. When it comes to ride-sharing, some people see the up to $200 annual Uber credit (broken into $15 a month with a $20 bonus in December) that comes with the Amex Platinum card as a like-cash credit. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. I have the Amex Platinum already and am looking for an additional card with trip interruption, delay and baggage delay coverage that doesn’t cost as much as Sapphire Reserve. The first is that Lyft purchases now earn 10 points per dollar spent when they’re charged to your Chase Sapphire Reserve card — this means that a $10 ride would earn  100 Ultimate Rewards points! Man lived at O’Hare for 3 months, claims he was scared of the coronavirus, Limited time: 100% bonus when you buy Hilton points, Pre-departure testing and self-isolation for arrivals: Everything you need to know about traveling to the UK, Blue Cash Preferred® Card from American Express, Eligible purchases at U.S. gas stations and U.S. supermarkets, on up to $15,000 in combined purchases, during the first six months of account opening, Airfare purchased directly with the airlines and airfare through Amex Travel (starting Jan. 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year), One credit every four years for Global Entry or even 4.5 years for TSA PreCheck. If you already shopped at Saks — great; otherwise you might not see this as a real value-add relative to the annual fee, even when using the credit at Saks.com. Thanks. Bottom Line: While both cards have good earning potential, the Chase Sapphire Reserve card has the edge as more categories earn 3 points per dollar spent. And while both the Amex Platinum and Chase Sapphire Reserve are worth it (they can easily save you more than $550 on travel each year), there’s not enough room in one wallet for both. update: As of June 1, 2020, the $300 Chase Sapphire Reserve card travel credit can also be applied towards purchases at gas stations and grocery stores until June 30, 2021. Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. The $300 credit on travel purchases offered by the Chase Sapphire Reserve card may be much easier to utilize given Chase’s definition of travel is quite broad. Chase Sapphire Reserve cardholders receive similar benefits at Relais & Chateaux properties as well. I mostly fly Though CLT, and second would be ORD. So, I need lounge access and Priority Pass doesn’t work for me as it’s always in international terminals. We are not financial advisors or any bank, so we can’t help in this regard. The Chase Sapphire Reserve, by comparison, is a premium card that’s simple enough for beginners and pros alike. Thanks for your help and advice! Some people may even find that there’s enough room for both cards in their wallet. You also earn a whopping 10x points per dollar spent on combined eligible purchases at U.S. supermarkets and U.S. gas stations, up to $15,000 in the first six months of account opening. Hi Andrew. Cardholders receive Hilton Honors Gold status and Marriott Bonvoy Gold Elite status. Some of them have transfer ratios below 1:1, longer transfer times (which means you risk watching your award space disappear) and some simply don’t have reasonably priced redemption options. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Let’s take a look, though this is by no means an exhaustive list of each card’s benefits. If these benefits will be utilized, the average cost per user becomes less than $182 per cardholder per year ($725 total for primary cardholder + 3 users). Email needed if you'd like comment updates. I have the Chase Card now…I exclusively fly American Airlines as they offer the best routes / planes to my destinations. If you enjoy luxury travel benefits and spend a lot on flights and pre-paid hotels you will realize the most value with the Amex Platinum card. That said, you’ll often get a better value by transferring your points to the loyalty programs of airlines and hotels instead. Which card do you recommend and would the Platinum card benefit me as I’m never on Delta Airline’s which I believe that I need to be to access that lounge? The Chase Sapphire Reserve card includes a $60 annual DoorDash statement credit, meaning that your first $60 in DoorDash purchases each calendar year are automatically reimbursed by Chase. Both cards are loaded with travel benefits and earn flexible points that, when redeemed for travel, deliver good value. This gives you an absolute minimum redemption value of 1.5 cents per point and means you can book a seat on any flight that’s for sale, even if there isn’t award space available. Winner: Chase Sapphire Reserve, since it offers more flexibility with its 50% bonus for travel booked in Ultimate Rewards, the Pay Yourself Back feature and a 1:1 transfer ratio for all of its airline and hotel partners. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. The card provides valuable no-stated-limit emergency transportation or evacuation benefits that can provide peace of mind when traveling. https://upgradedpoints.com/best-credit-cards-trip-cancellation-interruption/. Bottom Line: Unless you want to add authorized users to your card, it’s a draw when it comes to annual fees. With the Chase Sapphire Reserve card, however, you’ll have the flexibility to make travel purchases from any provider. Neither the Amex Platinum or Chase Sapphire Reserve cards waive the annual fee for the first year. However, you must use all of the benefits to maximize the value. And, your 3x travel (excluding $300 travel credit) and dining bonus categories are wide enough that you won’t be scratching your head trying to decide if you’re swiping the right card. The Points Guy will not sell your email. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Up to $100 Saks Fifth Avenue statement credit ($50 every six months), $60 in DoorDash statement credits each for 2020 and 2021, One year of complimentary DoorDash delivery with a DashPass membership. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Membership Rewards may be worth more when redeemed with the right airline transfer partner. This site does not include all credit card companies or all available credit card offers that are on the market. The Amex Platinum card’s complimentary lounge access is offered to several lounge networks including Centurion Lounges, Priority Pass, Delta Sky Clubs, Plaza Premium lounges, and more. Amex Platinum offers two $200 annual credits: one for Uber rides and another for airline fees, which covers things like extra luggage or flight change fees but not airfare itself. The Chase Sapphire Reserve and Amex Platinum are two of the most popular premium rewards cards on the market, but they offer slightly different value propositions. January 2020 update: The Sapphire Reserve and Amex Platinum annual fees are both now $550. The Chase Sapphire Preferred with a $95 annual fee. Related: Is the Amex Platinum once again the king of travel rewards cards? While both cards offer great point transfer options, you have many other good options for redeeming points with the Sapphire Reserve card. Dining and travel are both defined broadly by Chase, which means you’re more likely for a purchase to fall within its bonus categories than with Amex. Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. TPG values Membership Rewards points at 2 cents each, making the public 75,000-point bonus worth $1,500. One possible workaround would be to apply for a different version of the Amex Platinum, such as The Business Platinum Card® from American Express, with its $595 annual fee (see rates and fees) so you can access many of the perks now while hoping for a higher targeted offer. Sapphire Reserve points are also more flexible than Amex Platinum card points. This is because travel such as tours, cruises, train travel, taxis, and more are included in broad travel definition of the Chase Sapphire Reserve card. Most frequent travelers appreciate the value of a premium travel rewards credit card. Hi, if I have a Chase Sapphire Reserve card (mentioned in the article) with Priority Pass lounge access, can I also access the lounge for free if I’m traveling domestic only (no international ticket). Ultimate Rewards has a real edge for hotel bookings because of its partnership with Hyatt, where free nights start as low as 5,000 points per night. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). My company uses American Express Global Business to book all our flights. Both the Chase Sapphire Reserve® card and The Platinum Card® from American Express are currently offering excellent welcome offers for new cardholders. The former built the market for premium rewards cards years ago; the latter is responsible for growing their mass appeal. The Chase Sapphire Reserve card offers lounge access to Priority Pass lounges only. The Sapphire Reserve’s bonus can be worth up to $750 toward travel, while the Amex Platinum’s bonus is worth about $750 toward eligible airfare and … Still unsure which to drop. I have Amex Platinum, gold, and blue business plus to get 5X, 4X, 4X and 2X on everything else. Some of the best are ANA Mileage Club, Aeroplan (Air Canada) and Avianca LifeMiles, each of which offers attractively priced options for booking Star Alliance award tickets. However, Ultimate Rewards can result in good value for inexpensive fares via Chase’s Ultimate Rewards Travel Portal. I’ve updated the post now so thank you for pointing that out! Thanks for reading! Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. The best option depends on which other Chase or Amex cards you currently have in your wallet, and how the bonus categories on those other cards overlap with the Chase Sapphire Reserve and Amex Platinum. Hey Kuldeep, you can access Priority Pass lounges with a domestic or international ticket unless otherwise noted. Hot Tip: While a current 100,000-point welcome bonus offered by the Chase Sapphire Reserve card is specifically targeted, it’s possible to find a 100,000 point bonus on the Amex Platinum card. Winner: Amex Platinum, with the added 10x bonus categories that can help outsize your earning potential in the first six months. The personal version of the Amex Platinum doesn’t offer any sort of bonus or rebate for using your points to pay for flights through the Amex Travel portal, but The Business Platinum Card® from American Express and the American Express® Business Gold Card offer 35% (up to 500,000 points per calendar year) and 25% rebates (up to 250,000 points per calendar year), respectively. The Chase Sapphire Reserve card has an annual fee of $550, and authorized users can be added for $75 each. This is a personal decision. She has over four million flown miles and elite status on all three major domestic carriers. 1 downside to note when booking hotels through Amex Travel is that hotel program elite status benefits do not apply. update: Chase Sapphire Reserve cardholders will earn 5x earnings per dollar at grocery stores, up to $1,500 per month, through June 30, 2020. When you select this option, you’re only paired with the highest-rated drivers in your city at no additional cost. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. Lyft Pink status, which includes a 15% discount on all rides, free bike and scooter rentals each month (including Citi Bike in New York), priority airport pickups, more flexibility when it comes to ride cancellations and more (a $19.99 per month value). These two cards are the crème de la crème of premium credit cards.While both are fantastic choices, with generous rewards and perks, here’s how to decide which is right for you. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. Or is it only Executive status? If you spend more on overall travel in general, in addition to hotels and flights, you may earn more rewards overall with the Chase Sapphire Preferred card. Keep in mind that while the AMEX Platinum has more airline partners, only the Chase Sapphire Reserve offers a 1:1 transfer ratio with all partners. While welcome bonuses change periodically, they can be a large factor when selecting which card to apply for. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. The … That’s a bit lower than the Amex Platinum, although the spending requirement to earn the bonus is also lower. Bottom Line: With the wide variety of airline transfer partners, Membership Rewards points edge out Ultimate Rewards points for premium flight award redemptions. For this reason, there is probably a separate corporate earning agreement. It is unlikely that one card will work to maximize earnings on all of your spending categories and desired benefits. AMEX Platinum vs Chase Sapphire Reserve Travel Credits. These benefits only apply to the card’s primary cardholder and not any authorized users. New Platinum users can earn 75,000 Membership Rewards® points after you spend $5,000 on purchases on … Membership Rewards has more transfer partners but Chase has partners like Hyatt that also provide excellent redemption value. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. This breaks down as follows: Winner: Amex Platinum, with its airline and Uber credits, expanded airport lounge access and elite status with Marriott and Hilton, along with new travel protections. Let’s take a look at both cards, comparing benefits and earning power. The $300 annual travel credit will be automatically applied to a wide range of purchases. The Chase Sapphire Reserve card also offers worldwide lounge access (to a lesser extent than the Amex Platinum card) and a very strong collection of travel protections and insurance. The Amex Platinum card offers lounge access to more properties and to higher-end lounges than the Chase Sapphire Reserve card. 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City at no additional cost $ 100 Amex Platinum, click here to a... Cardholders various Lyft benefits s primary cardholder and not any authorized users can be worth when... The transfer ratio with your own auto insurance before coverage kicks in drivers in your wallet trip your. Of complementary lounge access can be added for $ 19.99 per month any comments below... Airline-Fee credit the Shapphire Reserve card has strengths that center on luxury travel benefits including rental. Said of the best choice i mostly fly though CLT, and delay article but probably! Bit lower than the Chase Sapphire Reserve card, however, Ultimate Rewards: is. An Amazon Associate we sapphire reserve vs amex platinum from qualifying purchases excels in providing airport lounge access thinking either... Is complimentary airport lounge access can be quite substantial this regard authorized users all of them worth! Maximize the value of a premium travel cards million flown miles and elite status do you. 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