While both cards offer great point transfer options, you have many other good options for redeeming points with the Sapphire Reserve card. Chase Sapphire Reserve vs American Express Platinum What’s clear is that both the Amex Platinum and the Chase Sapphire Reserve are both excellent cards. I'm a Gold Card holder and thinking about either upgrading to the Platinum Card or getting the Shapphire Reserve Card. The best card for you will depend on your spending mix and your travel benefit preferences. ALL RIGHTS RESERVED. The Chase Sapphire Reserve and the American Express Platinum Card are two of the most popular premium travel cards on the market. When they do, you may turn to your premium travel rewards credit card for coverage and assistance. Whichever you choose, you’re likely to be pretty happy with your decision (as long as you don’t … 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. Let’s start with the Chase Sapphire Reserve. The card provides valuable no-stated-limit emergency transportation or evacuation benefits that can provide peace of mind when traveling. The AMEX Platinum as of 01/01/20 offers trip cancellation/interruption and trip delay insurance. © 2021 Upgraded Points™, LLC. This gives you access to exclusive discounts and UberX VIP and Uber Black VIP rides. 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. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. 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. However, you must use all of the benefits to maximize the value. So, I need lounge access and Priority Pass doesn’t work for me as it’s always in international terminals. Hi Andrew. Additionally, frequent travelers are sure to love the priority airport pickups that come with Lyft Pink status. Bottom Line: When we compare statement/shopping credits, the Amex Platinum card offers more total value. Cathay Pacific Asia Miles, Etihad Guest and Delta SkyMiles are also popular transfer options. Lyft Pink is a subscription service that Lyft sells outright for $19.99 per month. Ultimate Rewards points earned with the Chase Sapphire Reserve card are worth 1.5 cents apiece when redeemed through Chase’s travel portal—50% more than points earned with the Amex Platinum Card. All partner transfers occur at a 1:1 ratio and most of them are nearly instant. Better yet, these bookings are treated like cash tickets, meaning you’ll earn redeemable and elite miles on them, further increasing your value. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. These benefits only apply to the card’s primary cardholder and not any authorized users. It’s also the one where your own personal preferences might sway you the most to one card or another. For National Car Rental, is the status for both cards actually Executive Elite? She has over four million flown miles and elite status on all three major domestic carriers. Both of these cards have offered a range of temporary benefits in 2020, but most of Chase’s benefits are now expired. Hi Tony. I’m also Diamond with Hilton and I typically like to use 1 card for all purchases. Bottom Line: The Amex Platinum card comes out ahead by offering complimentary elite status with hotel partners. Chase Sapphire Reserve has a $550 annual fee. This site does not include all credit card companies or all available credit card offers that are on the market. Is the Amex Platinum once again the king of travel rewards cards? I’ve updated the post now so thank you for pointing that out! The Amex Platinum card clearly excels in providing airport lounge access and hotel program elite status. 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. The Chase Sapphire Reserve card focuses more on overall earnings, significant redemption values, and travel-related protections and insurance. The Chase Sapphire Reserve is a much simpler story. However, Platinum Card is challenged in earning power by the Chase Sapphire Reservegiven you can earn more points in more ways with the Sapphire Reserve. TPG values Ultimate Rewards points at 2 cents each, making this bonus worth $1,000. When you select this option, you’re only paired with the highest-rated drivers in your city at no additional cost. Thanks again….. -Joe, Hi Joey and thanks for reading. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. My company uses American Express Global Business to book all our flights. Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. The $300 annual travel credit is extremely flexible, easy to use, and doesn't require any registration. Have both American Express Platinum and Chase Sapphire Preferred. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Mikhail Starodubov via Shutterstock. It launched with a 100,000-point sign-up bonus, but that deal only lasted a few months amid stronger-than-expected demand for the card. 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. This site does not include all credit card companies or all available credit card offers that are on the market. Having this elite status benefit come complimentary with your credit card is significant if you stay often at the participating hotels. We’ve recently put together a list of cards that carry trip cancellation, interruption, and delay. Neither the Amex Platinum or Chase Sapphire Reserve cards waive the annual fee for the first year. 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. Both cards are loaded with travel benefits and earn flexible points that, when redeemed for travel, deliver good value. 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. Instead of offering bonus points, the Amex Platinum is focusing more on putting cash back in your wallet by offering opportunities to earn statement credits through the end of the year. I always book hotels, cars and airlines directly though American, Enterprise / Avis and Hilton, never though Kayak or a third party. Since then, the Reserve has offered a consistent sign-up bonus of 50,000 Chase Ultimate Rewards points after cardmembers spend $4,000 on purchases in the first three months of account opening. Here are the bonus categories for these two cards: Prepaid hotels booked through Amex Travel. Click here to see a list of advertisers that we work with. Chase has historically been the leader when it comes to travel insurance, with a multitude of different policies and generous terms. One of the benefits of a premium travel rewards credit card is complimentary airport lounge access to lounges worldwide. For this reason, there is probably a separate corporate earning agreement. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited to those looking to enjoy a more luxurious travel lifestyle. 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. Additionally, both cards also allow 2 additional guests, at no charge, to most lounges. 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! I think you may be referring to complimentary Gogo Inflight Internet passes which are available only on the American Express Business Platinum Card. 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. I have combined the Reserve with the Hilton Honors Aspire card and the Amex Gold card to cover most of mine, for example. 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. Related reading: Amex Membership Rewards vs Chase Ultimate Rewards: Which is the best? For an explanation of our Advertising Policy, visit this page. Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Now with identical annual fees of $550 a year (see rates and fees), these two cards take the cake as the most expensive publicly-available personal credit cards (ignoring invite-only options such as the Amex Centurion card). 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. © 2021 THE POINTS GUY, LLC. You will find the following benefits offered on both the Amex Platinum card and the Chase Sapphire Reserve card: Both cards are designed for the frequent traveler but which card is best for you depends on which benefits you deem most important. The Platinum Card® from American Express comes with a $550 annual fee (see rates and fees), and so does the Chase Sapphire Reserve®. TPG values Membership Rewards points at 2 cents each, making the public 75,000-point bonus worth $1,500. The Amex Platinum used to take the lead with its 5x points on flights when booked directly with the airline or through American Express Travel (though admittedly that category is fairly restrictive), but Chase now offers a solid 10x bonus category for all Lyft rides in the U.S. — a 20% return in that category, based on TPG’s valuations — that helps make up some of the difference. Chase just offered a 9.9% APR on my one year anniversary. 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. Most frequent travelers appreciate the value of a premium travel rewards credit card. Winner: The Amex Platinum takes leads in this first category, especially if you are targeted for an elevated offer through CardMatch. With the Chase Sapphire Reserve card, however, you’ll have the flexibility to make travel purchases from any provider. It does include side-by-side tables for earnings, redemptions, and travel benefits. Note: Please see the tables above for the current fees and pricing information for these cards. The American Express Platinum and the Chase Sapphire Reserve are both premium credit cards. Ever since the Sapphire Reserve launched in August 2016, competition between these two cards has been fierce. 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. I don’t know if you’ve seen these articles but they may offer some additional information: Best Credit Cards for American Airlines Flyers: https://upgradedpoints.com/best-credit-cards-for-american-airlines-flyers/ Best Travel Rewards Cards: https://upgradedpoints.com/credit-cards/travel-rewards-credit-cards/ and AA Business Extra program: https://www.businessextra.com/account-summary.htm. After all, if you apply now with the 75,000-point offer, you’ll never be able to get a higher targeted bonus in the future. The Amex Platinum may cover the cost to return home or rejoin the trip if your trip is interrupted. Charge card vs Credit Card. The Amex Platinum card offers cardholders complimentary emergency transportation and evacuation with no stated limit but does not offer roadside assistance or baggage delay. While the Chase Sapphire Reserve card only offers access to Priority Pass lounges, the lounge network consists of over 1,300 locations worldwide. Related: When to book through Amex Fine Hotels & Resorts vs. Chase Luxury Hotel and Resort Collection. Right now, new Amex Platinum cardholders can earn 10x on U.S. gas stations and U.S. supermarkets (up to $15,000 in combined spending) in the first six months. I’m talking, of course, about The Platinum Card® from American Express and the Chase Sapphire Reserve. 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. Still unsure which to drop. Each card offers tremendous value for the right frequent traveler. The $300 annual travel credit will be automatically applied to a wide range of purchases. For more information on our advertisers, see here. The first difference that stands out is that you can only earn big on the Amex Platinum Card if you purchase fligh… Does this count for the Platinum AMEX when they say ‘5 Membership Rewards points per $1 when purchased through Amex Travel or for flights purchased directly with the airlines’? However, the Amex Platinum card is challenged in earning power by the Chase Sapphire Reserve card given you can earn more points in more ways with the Chase Sapphire Reserve card. Related: The different flavors of American Express Platinum — which one is right for you? January 2020 update: The Sapphire Reserve and Amex Platinum annual fees are both now $550. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. As you mentioned, unless you’re flying internationally and using terminal 5 at ORD, you’re limited to AA, DL, and UA lounges. The Chase Sapphire Reserve card’s $300 travel credit, however, is much easier to utilize because airline tickets, hotels, taxis, and more are considered travel purchases. 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). The former built the market for premium rewards cards years ago; the latter is responsible for growing their mass appeal. Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. Both cards do have temporary bonus categories to consider, too. Chase and Lyft recently partnered to give Chase Sapphire Reserve cardholders various Lyft benefits. For rates and fees of the Amex Platinum Card, click, A unique property amenity (such as a spa, or food and beverage credit) worth a minimum of $100, $100 room credit to spend on dining, spa, and resort activities, Emerald Club Executive Club status with National Car Rental, All other flights/travel earn 1 point per $1, 2 points per $1 all other hotels booked through Amex Travel, All other hotel purchases earn 1 point per $1, $5,000 in flights purchased from an airline, $3,000 in non-prepaid hotels purchased directly through a hotel’s website, Up to $200 statement credit for airline incidental fees, $25 per month credit towards Variis by Equinox on-demand fitness (through June 30, 2021), Up to $30 monthly PayPal statement credit through June 30, 2021, $300 statement credit for travel purchases each calendar year, $60 DoorDash statement credit for food delivery and DashPass subscription, $120 Peloton Digital and All Access Membership statement credit (through December 31, 2021), Enroll in complimentary Spot Club Platinum status at The Parking Spot for 2 years and receive 20% off of your first reservation and points for 1 free day of parking, Enroll to receive 10% back on Groupon deals every month for 12 months (up to $50), rewarded as Groupon Bucks, 4 service calls per year, maximum benefit $50 each call, Up to $500 for trip delays more than 6 hours, Up to $3,000 for carry-on, $2,000 for checked. 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). Both of these cards get that done, but in very different ways. Plus the mid-range American Express® Gold Card offers an up to $10 monthly dining credit that includes Grubhub and Seamless and other participating restaurants (up to $120 credit per calendar year). 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. This calculation is based on the assumption that flights were qualifying purchases earning 5 points per dollar with the Amex Platinum card. When we look at hotel redemptions, transferring Ultimate Rewards points earned on the Chase Sapphire Reserve card to hotel partner World of Hyatt shines as a sweet spot. 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. The Chase Sapphire Reserve may be a better daily rewards card, but the better card for traveling in style is The Platinum Card from American Express. Bottom Line: With the wide variety of airline transfer partners, Membership Rewards points edge out Ultimate Rewards points for premium flight award redemptions. And to sweeten the deal, the card offers a free DoorDash DashPass subscription. You can’t use the $200 Amex airline credit for airfare — only for select fees such as seat assignment or checked bags. Just note that some airports restrict international and domestic passengers to separate terminals — contact the lounge in question if you’re unsure of if you can access the terminal where the lounge is located. Bottom Line: Unless you want to add authorized users to your card, it’s a draw when it comes to annual fees. Chase Sapphire Reserve is the clear winner in this category. Question. Would be super useful ! 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. This site does not include all credit card companies or all available credit card offers. Let’s start with the Chase Sapphire Reserve. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. 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