Chase Sapphire Reserve wins — The Chase Sapphire Reserve wins for most users due to its lower $550 fee, $300 travel credit, and more flexible Ultimate…
Scores: Chase Sapphire Reserve 8.5/10 · The Platinum Card From American Express 8/10
The Chase Sapphire Reserve wins for most users due to its lower $550 fee, $300 travel credit, and more flexible Ultimate Rewards points that transfer at strong ratios to partners like United and Hyatt. The Platinum Card excels in lounge access with Centurion Lounges and higher welcome bonuses but costs $695 annually. Data from The Points Guy and NerdWallet show Sapphire Reserve users averaging ...
| Chase Sapphire Reserve | The Platinum Card From American Express | |
|---|---|---|
| Annual Fee | $550 | $695 |
| Welcome Bonus | 60,000 points after $4,000 spend | 80,000 points after $8,000 spend |
| Rewards Rate | 3x on travel and dining | 5x on flights booked directly |
| Travel Benefits | $300 annual travel credit | Centurion Lounge access |
Our pick: Chase Sapphire Reserve. It edges out the alternative on strong travel protections including trip delay reimbursement. That said, The Platinum Card From American Express still wins on extensive airport lounge network including centurion lounges — consider it if that single trade matters most for your use.