Chase Sapphire Reserve vs The Platinum Card From American Express
Verdict: Chase Sapphire Reserve wins for most travelers due to lower effective cost after the $300 credit and superior point transfer flexibility to 14 partners versus Amex's 7 (per The Points Guy 2025 comparisons). Amex Platinum leads in lounge access with Centurion Lounges but trails on value after its $695 fee (per NerdWallet annual fee analysis). Sapphire scores higher overall for flexible redemptions while Platinum excels only for heavy lounge users.
Winner: Chase Sapphire Reserve
Chase Sapphire Reserve: 8.5/10
The Platinum Card From American Express: 7.5/10
Spec-by-spec comparison
| 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 |
| foreign_transaction_fee | None | None |
| lounge_access | Priority Pass Select | Centurion Lounges + Priority Pass |
Chase Sapphire Reserve
What works
- 1:1 point transfer to 14 airline/hotel partners
- $300 annual travel credit
- 3x points on travel and dining
What doesn't
- High annual fee after first year
- Limited luxury perks compared to competitors
The Platinum Card From American Express
What works
- $200 airline fee credit + $200 hotel credit
- 5x points on flights booked directly
What doesn't
- Points transfer to fewer partners than Sapphire
Bottom line
Our pick: Chase Sapphire Reserve.
View full comparison on GoodPickr
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