American Express Platinum vs Chase Sapphire Reserve
Verdict: Chase Sapphire Reserve offers better value with its $795 fee and 8x Chase Travel points (per grounding facts) compared to Amex Platinum's $895 fee and lounge focus. Amex provides superior hotel elite status and broader credits for dining/entertainment/shopping. Chase's 2025-06-23 release gives it updated earning rates while Amex's 1984 longevity adds proven reliability.
American Express Platinum lists at $895 while Chase Sapphire Reserve lists at $795 — Chase Sapphire Reserve undercuts American Express Platinum by $100 (13%).
Winner: Chase Sapphire Reserve
American Express Platinum: 8/10
Chase Sapphire Reserve: 8.5/10
Spec-by-spec comparison
| American Express Platinum | Chase Sapphire Reserve | |
|---|---|---|
| Annual Fee | $895 | $795 |
| Release Date | 1984 | 2025-06-23 |
| Travel Perks | Airport lounge access, hotel elite status | 8x points on Chase Travel, 4x on flights/hotels |
| Statement Credits | Dining, entertainment, shopping | Travel, dining, lifestyle expenses |
American Express Platinum
What works
- Extensive lounge access and hotel elite status
- Multiple statement credits for lifestyle expenses
- Long-established benefits since 1984
What doesn't
- Higher annual fee of $895
- Rewards rates not specified in detail
Chase Sapphire Reserve
What works
- Lower annual fee of $795
- Strong earning rates including 8x on Chase Travel
- Recent 2025 update with updated credits
What doesn't
- Fewer lounge access details provided
- Newer card with less long-term track record
Bottom line
Our pick: Chase Sapphire Reserve.
View full comparison on GoodPickr
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