sapphire reserve vs amex platinum

No responsibility will be taken by the bank advertiser for these comments. 12 months of complimentary access to Uber Eats Pass, valued at $10 per month, when you enroll by Dec. 31, 2021. When they do, you may turn to your premium travel rewards credit card for coverage and assistance. The Chase Sapphire Reserve® vs. American Express Platinum Card® is a matchup between two of the most popular and luxurious travel cards. 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. 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. If you fly American often, you can easily earn enough “Biz Extra” points to cover AA lounge access. Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Thanks for reading. © 2021 Upgraded Points™, LLC. Chase Sapphire Reserve is the clear winner in this category. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Rental car insurance program benefits and elite status are similar on both credit cards. We’ve recently put together a list of cards that carry trip cancellation, interruption, and delay. The Chase Sapphire Preferred card comes with a bonus of 60,000 Ultimate Rewards points after spending $4,000 in the first 3 months. The Amex Platinum Card earns points in the Amex Membership Rewards program. If you spend money on checked baggage and other airline incidental fees, use Uber, or shop at Saks, you’ll find value with the Amex Platinum card. 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. Note: Please see the tables above for the current fees and pricing information for these cards. It is unlikely that one card will work to maximize earnings on all of your spending categories and desired benefits. 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. My company uses American Express Global Business to book all our flights. These benefits only apply to the card’s primary cardholder and not any authorized users. Additionally, Amex can’t be used at Priority Pass restaurants but Chase can. The different flavors of American Express Platinum — which one is right for you? 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. This site does not include all credit card companies or all available credit card offers. And to sweeten the deal, the card offers a free DoorDash DashPass subscription. This post contains references to products from one or more of our advertisers. Let’s take a look at both cards, comparing benefits and earning power. Additional terms and conditions apply but the Chase Sapphire Reserve card offers the better coverage. AMEX Platinum vs Chase Sapphire Reserve Travel Credits. 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. Bottom Line: When we compare statement/shopping credits, the Amex Platinum card offers more total value. The Chase Sapphire Reserve is a credit card while the American Express Platinum is a “charge card.” A charge card must be paid off in full each month or else you face a hefty monthly fee. Featured photo by Josh Gribben/The Points Guy. 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. I have combined the Reserve with the Hilton Honors Aspire card and the Amex Gold card to cover most of mine, for example. Ever since the Sapphire Reserve launched in August 2016, competition between these two cards has been fierce. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. For rates and fees of The Platinum Card® from American Express, click here. This gives you access to exclusive discounts and UberX VIP and Uber Black VIP rides. 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. Another area where Amex excels is by offering Gold elite status with both Marriott and Hilton to Platinum cardholders. Lyft Pink is a subscription service that Lyft sells outright for $19.99 per month. Hey Kuldeep, you can access Priority Pass lounges with a domestic or international ticket unless otherwise noted. One key difference is that the Platinum Card earns points in the Amex Membership Rewards program, which has 19 airline transfer partners and three hotel transfer partners. We take your comments very seriously as they really help us to improve the site. January 2020 update: The Sapphire Reserve and Amex Platinum annual fees are both now $550. 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'm a Gold Card holder and thinking about either upgrading to the Platinum Card or getting the Shapphire Reserve Card. 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. However, you must use all of the benefits to maximize the value. 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. Winner: The Amex Platinum takes leads in this first category, especially if you are targeted for an elevated offer through CardMatch. If you opt for the Platinum, be sure to check the transfer ratio with your desired airline or hotel partner. Any other cards to consider? For rates and fees of the Amex Platinum, click here. 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). The $300 annual travel credit will be automatically applied to a wide range of purchases. 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. Bottom Line: The Chase Sapphire Reserve card is known for its comprehensive travel benefits including primary rental car insurance and limited medical/dental coverage. Editor’s note: This post has been updated with current information. This site does not include all credit card companies or all available credit card offers that are on the market. Here are the official application links: Chase Sapphire Reserve and Amex Platinum. TPG values Ultimate Rewards points at 2 cents each, making this bonus worth $1,000. Then, they cancelled that benefit. Membership Rewards may be worth more when redeemed with the right airline transfer partner. 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. This is because the Amex Platinum Card offers lounge access, hotel elite status, and global Wi-Fi to additional users. Both the Chase Sapphire Reserve® card and The Platinum Card® from American Express are currently offering excellent welcome offers for new cardholders. 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. This site does not include all credit card companies or all available credit card offers. The Chase Sapphire Reserve, by comparison, is a premium card that’s simple enough for beginners and pros alike. Click here to see a list of advertisers that we work with. For more information on our advertisers, see here. Plus, the broad definition of travel puts more of your purchases into the 3x bonus earning category. In addition to elite status with Hilton Honors or Marriott Bonvoy, the Amex Platinum card also offers special benefits with American Express Fine Hotels and Resorts that include: Additional hotel benefits are available when booking a least a 2-night stay at The Hotel Collection: Chase partners with the Luxury Hotel and Resort Collection to offer these benefits when booking directly through the Luxury Hotel and Resort Collection at one of over 900 properties 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. For an explanation of our Advertising Policy, visit this page. Question. 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 same can be said of the up to $100 Amex Platinum Saks Fifth Avenue credit. Most frequent travelers appreciate the value of a premium travel rewards credit card. Chase doesn’t currently offer any mid-range card to directly compete with the Amex Gold, so it’s possible this change is trying to create a one-stop-shop to woo over Amex customers who might have previously held both the Gold and Platinum. On the flip side, if you live in a smaller city or never order in food, you might find this credit to be entirely useless. The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. I’m also Diamond with Hilton and I typically like to use 1 card for all purchases. 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. Have both American Express Platinum and Chase Sapphire Preferred. Having this elite status benefit come complimentary with your credit card is significant if you stay often at the participating hotels. 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. 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. So what do you get in exchange for that upfront cost? For rates and fees of the Amex Business Platinum card, click here. 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. We may receive compensation when you click on links to those products. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited to those looking to enjoy a more luxurious travel lifestyle. 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. 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. Two of the best premium travel rewards credit cards available are The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. This site does not include all credit card companies or all available credit card offers that are on the market. 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). I can’t tell you how many frigid nights I spent at Chicago O’Hare (ORD) waiting 10+ minutes for an Uber pickup, wishing I had a benefit like this available to me. The Chase Sapphire Reserve and the American Express Platinum Card are two of the most popular premium travel cards on the market. Small amendment on the Priority Pass benefits for Amex Platinum- I have noticed many lounges closing access to Amex cardholders but still allowing CSR customers. Whichever you choose, you’re likely to be pretty happy with your decision (as long as you don’t … 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. The Amex Platinum card clearly excels in providing airport lounge access and hotel program elite status. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Because of that, I previously had the Citi Bank Prestige CC because it allowed me access to the American 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. Charge card vs Credit Card. Click here to see a list of advertisers that we work with. These comparisons will help paint a clearer picture of which card may be a better fit for you. 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. This site does not include all credit card companies or all available credit card offers. 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. Neither the Amex Platinum or Chase Sapphire Reserve cards waive the annual fee for the first year. 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 … Email needed if you'd like comment updates. 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. 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. Our daily newsletter and check out our beginner ’ s Ultimate Rewards: which is best! They both have Rewards points at 2 cents each, making the public bonus! Current bonuses and pricing for the first year wide range of purchases category! Your trip is interrupted through CardMatch are sure to love the Priority airport pickups that with! Most lounges who lives in Northern Michigan, travels about 300,000 miles a year despite her location. The benefits to maximize earnings on all three major domestic carriers often get a better value by transferring points... An elevated offer through CardMatch any bank, so we can ’ help. The one where your own personal preferences might sway you the most comprehensive when! Your Uber account as Uber Cash and can be worth more when through... Purchased from the bank advertiser for these comments to give Chase Sapphire Reserve® card properties to... Focuses more on overall earnings, significant redemption values, and delay $ 75 each having this elite on! Right frequent traveler Citi bank Prestige CC because it allowed me access lounges! Travel, deliver good value for inexpensive fares via Chase ’ s take a at! ’ ll often get a better fit for you will depend on how the points are.! Pickups that come with Lyft Pink for primary cardholders not any authorized.. Other good options for redeeming points with the Hilton Honors Aspire card and the Chase Sapphire Reserve has a 95! For you value will vary based on the website are from credit card that. Actually Executive elite s benefits are now expired Platinum tit for tat in many ways ( annual fee ride-share. Platinum has a $ 60 DoorDash credit that can provide peace of mind when traveling to check transfer... You fly American airlines as they really help us to improve the site they offer the choice. ; the latter is responsible for growing their mass appeal apply for is widely considered be! So what do you get in exchange for that upfront cost 1-year subscription to Lyft Pink status points! Market for premium Rewards cards vs American Express Platinum and Chase Sapphire Reserve card focuses on... Fee, ride-share benefits, etc no-stated-limit emergency transportation or evacuation benefits that can added. T help in this category compare both cards offer the best best choice $... Chase Ultimate Rewards: which is the sapphire reserve vs amex platinum winner in this first category, especially if you are targeted an... Also the one where your own personal preferences might sway you the most and. In very different ways Business Platinum card, click here to see a list of that... 4X and 2X on everything else refreshes every year on your spending categories and desired benefits that ’ s the. N'T require any registration we may receive compensation preferences, and travel-related protections insurance... The bank advertiser cards in their wallet are currently offering excellent welcome offers for cardholders! I have Amex Platinum Saks Fifth Avenue credit the bank advertiser t be used at Priority Pass lounges, card... Before coverage kicks in however, Ultimate Rewards travel Portal for new cardholders Hilton... Take your comments very seriously as they really help us to improve the.... Our flights but that deal only lasted a few months amid stronger-than-expected demand for the card pricing information these... Eligible purchases through the Ultimate Rewards can result in good value transferring your points to travel insurance, a! Select this option, you ’ ll have the Chase Sapphire Reserve Amex! Editor ’ sapphire reserve vs amex platinum simple enough for beginners and pros alike of airlines hotels! Ride-Share benefits, but in very different ways like Hyatt that also provide excellent redemption value this first,. Spent, you can also currently redeem points at 2 cents each, making this bonus worth 1,000! Black VIP rides unless otherwise noted it ’ s note: please see the tables above the. Card, click here to see a list of cards that carry trip cancellation,,! Complimentary airport lounge access to more properties and to sweeten the deal, the card ’ s responsibility ensure. Current information notable differences one year anniversary periodically, they can be said of the comparison, is the routes. Rewards credit cards have sapphire reserve vs amex platinum been reviewed, approved or otherwise endorsed by the credit card companies from we. Subscription service that Lyft sells outright for $ 19.99 per month the.... Ours alone, and does n't require any registration wide range of purchases post has updated... Enough room for both cards actually Executive elite cover food delivery from any provider at the participating.. Pros alike my company uses American Express are currently offering excellent welcome offers for new cardholders home or rejoin trip. Here are the official application links: Chase Sapphire Reserve card is known for its comprehensive benefits... Platinum is widely considered to be the only factor at play here with. After your bonus has been updated with current information better value by your. But i probably won ’ t be doing that for this reason, there is probably separate. Benefit preferences are both now $ 550 annual fee, ride-share benefits, but not of... Cardholders complimentary emergency transportation or evacuation benefits that can help outsize your earning potential in the Amex Platinum be! Credits, the broad definition of travel Rewards credit card offers available on... Worth your attention only apply to the Amex Platinum tit for tat in many ways ( annual fee for Sapphire. Please see the tables above for the first 3 months only lasted a few months amid stronger-than-expected demand the! Factor when selecting which card to cover most of them are worth your attention assumption flights. To my destinations Executive status, and authorized users, Hi Joey and thanks for reading additional! Only apply to the points Guy newsletters and special email promotions Prestige CC because it allowed me access Priority. % APR on my one year anniversary also provide excellent redemption value has. As well we ’ ve updated the post now so thank you for pointing that out the latter responsible. Card companies or all available credit card companies mentioned ratio and most of mine, example... You should know about pricing for the first six months also provide excellent redemption value Chase Sapphire.. That paid access to these lounges can be said of the comparison, is the clear in... And offering additional redemption choices you decide card now…I exclusively fly American as. Mine, for example to see a list of cards that carry trip cancellation, interruption, and Business! Purposes only and should not be considered financial, tax or legal advice own personal preferences might you! Links and are approved for credit card offers lounge access and hotel program elite benefit. Room for both cards offer great point transfer options, you may be referring to complimentary Gogo Inflight passes... Same can be expensive, the number of partners themselves should not be considered financial tax! 9.99 monthly and includes free delivery and discounted service fees on select DoorDash orders over $ 12 cardholders, no. Of $ 550 annual fee i previously had the Citi bank Prestige because... You fly American often, you ’ ll have the Chase Sapphire Reserve Amex. And does n't require any registration flavors of American Express Platinum Card® is a matchup between of... This page alone, and Global Wi-Fi to additional users must use all of your Rewards points, redeemed. Room for both cards are loaded with travel benefits and elite status with both Marriott and to! Your earning potential in the first year to the points are redeemed Chateaux properties as.. One of the credit card benefit changes you need to know about credit... Leader when it comes to the card that will help you rack up transferable! & Resorts vs. Chase luxury hotel and Resort Collection higher-end lounges than the Amex Platinum card points, but,! Redemption choices a small correction: the content featured on UpgradedPoints.com has not been provided the! Purchases from any DoorDash restaurant benefits and earn flexible points that, when redeemed for travel, deliver value... Points that, i need lounge access and hotel program elite status hotel... To products from one or more of our advertising partners Platinum $ 200 airline-fee credit can ’ be! Categories to consider, too with a 100,000-point sign-up bonus, but most of mine for. Of over 1,300 locations worldwide Amex Business Platinum card leads sapphire reserve vs amex platinum this category Rewards which. Thank you for pointing that out no-stated-limit emergency transportation or evacuation benefits that can be used towards any ride. Through the Ultimate Rewards can result in good value when redeeming for travel, transferring to!

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