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 Reserve ($795/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 Reserve |
|---|---|---|
| Flights | 5X | 4X |
| Hotels |
The Chase Sapphire Reserve wins in 2 of 3 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 4X
Hotels
Chase Sapphire Reserve earns 4X vs 1X
Dining
Chase Sapphire Reserve earns 3X vs 1X
The The Platinum Card from American Express costs $895/yr — that's $100 more than the Chase Sapphire Reserve ($795/yr). To justify that gap, you need to extract at least $100 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 $100 difference is moderate. If you spend consistently on flights and hotels, the The Platinum Card from American Express's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing The Platinum Card from American Express means losing:
Get the Chase Sapphire Reserve if you:
The Chase Sapphire Reserve has a lower annual fee ($795 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 Reserve 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 Reserve ($795/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 Reserve |
|---|---|---|
| Flights | 5X | 4X |
| Hotels |
The Chase Sapphire Reserve wins in 2 of 3 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 4X
Hotels
Chase Sapphire Reserve earns 4X vs 1X
Dining
Chase Sapphire Reserve earns 3X vs 1X
The The Platinum Card from American Express costs $895/yr — that's $100 more than the Chase Sapphire Reserve ($795/yr). To justify that gap, you need to extract at least $100 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 $100 difference is moderate. If you spend consistently on flights and hotels, the The Platinum Card from American Express's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing The Platinum Card from American Express means losing:
Get the Chase Sapphire Reserve if you:
The Chase Sapphire Reserve has a lower annual fee ($795 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 Reserve 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 Reserve ($795/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 Reserve |
|---|---|---|
| Flights | 5X | 4X |
| Hotels |
The Chase Sapphire Reserve wins in 2 of 3 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 4X
Hotels
Chase Sapphire Reserve earns 4X vs 1X
Dining
Chase Sapphire Reserve earns 3X vs 1X
The The Platinum Card from American Express costs $895/yr — that's $100 more than the Chase Sapphire Reserve ($795/yr). To justify that gap, you need to extract at least $100 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 $100 difference is moderate. If you spend consistently on flights and hotels, the The Platinum Card from American Express's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing The Platinum Card from American Express means losing:
Get the Chase Sapphire Reserve if you:
The Chase Sapphire Reserve has a lower annual fee ($795 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 Reserve 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 |
| 4X |
| Dining | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 1X |
| 4X |
| Dining | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 1X |
| 4X |
| Dining | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
