CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Chase Sapphire Preferred Card ($95/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | The Platinum Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Flights | 5X | 1X |
| Dining |
The Chase Sapphire Preferred Card wins in 5 of 6 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 1X
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
Online Groceries
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Delivery
Chase Sapphire Preferred Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 2X vs 1X
The The Platinum Card from American Express costs $895/yr — that's $800 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $800 in annual value from the card's higher earn rates and benefits.
The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $800 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the Chase Sapphire Preferred Card delivers strong value at a fraction of the cost.
The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $895), making it the more accessible option.
The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.
Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Chase Sapphire Preferred Card ($95/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | The Platinum Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Flights | 5X | 1X |
| Dining |
The Chase Sapphire Preferred Card wins in 5 of 6 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 1X
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
Online Groceries
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Delivery
Chase Sapphire Preferred Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 2X vs 1X
The The Platinum Card from American Express costs $895/yr — that's $800 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $800 in annual value from the card's higher earn rates and benefits.
The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $800 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the Chase Sapphire Preferred Card delivers strong value at a fraction of the cost.
The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $895), making it the more accessible option.
The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.
Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Chase Sapphire Preferred Card ($95/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | The Platinum Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Flights | 5X | 1X |
| Dining |
The Chase Sapphire Preferred Card wins in 5 of 6 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 1X
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
Online Groceries
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Delivery
Chase Sapphire Preferred Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 2X vs 1X
The The Platinum Card from American Express costs $895/yr — that's $800 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $800 in annual value from the card's higher earn rates and benefits.
The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $800 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the Chase Sapphire Preferred Card delivers strong value at a fraction of the cost.
The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $895), making it the more accessible option.
The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.
Choose the Chase Sapphire Preferred Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 1X |
| 3X |
| Grocery Delivery | 1X | 3X |
| Online Groceries | 1X | 3X |
| Streaming | 1X | 3X |
| Travel | 1X | 2X |
| Hotels | 1X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Chase Sapphire Preferred Card means losing:
Choosing The Platinum Card from American Express means losing:
Get the The Platinum Card from American Express if you:
Get the Chase Sapphire Preferred Card if you:
| 1X |
| 3X |
| Grocery Delivery | 1X | 3X |
| Online Groceries | 1X | 3X |
| Streaming | 1X | 3X |
| Travel | 1X | 2X |
| Hotels | 1X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Chase Sapphire Preferred Card means losing:
Choosing The Platinum Card from American Express means losing:
Get the The Platinum Card from American Express if you:
Get the Chase Sapphire Preferred Card if you:
| 1X |
| 3X |
| Grocery Delivery | 1X | 3X |
| Online Groceries | 1X | 3X |
| Streaming | 1X | 3X |
| Travel | 1X | 2X |
| Hotels | 1X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Chase Sapphire Preferred Card means losing:
Choosing The Platinum Card from American Express means losing:
Get the The Platinum Card from American Express if you:
Get the Chase Sapphire Preferred Card if you:
