Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $49/yr for the Starbucks Rewards Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Starbucks Rewards Visa Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0.25X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Starbucks Rewards Visa Card doesn't?

The The Platinum Card from American Express offers lounge access. The Starbucks Rewards Visa Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the Starbucks Rewards Visa Card?

Choose the Starbucks Rewards Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $49/yr for the Starbucks Rewards Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Starbucks Rewards Visa Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0.25X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Starbucks Rewards Visa Card doesn't?

The The Platinum Card from American Express offers lounge access. The Starbucks Rewards Visa Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the Starbucks Rewards Visa Card?

Choose the Starbucks Rewards Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $49/yr for the Starbucks Rewards Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or Starbucks Rewards Visa Card?

The The Platinum Card from American Express has a higher base earn rate (1X vs 0.25X), but both cards have different bonus categories where they excel.

What benefits does the The Platinum Card from American Express have that the Starbucks Rewards Visa Card doesn't?

The The Platinum Card from American Express offers lounge access. The Starbucks Rewards Visa Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the Starbucks Rewards Visa Card?

Choose the Starbucks Rewards Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

The Platinum Card from American Express vs Starbucks Rewards Visa Card

The Starbucks Rewards Visa Card ($49/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.

No image

The Platinum Card from American Express

American Express

No image

Starbucks Rewards Visa Card

Chase

Fees & Welcome Offer

Annual Fee

$895

$49

Welcome Bonus

80,000 Flex point

4,500 points

Earn Rates

Category	The Platinum Card from American Express	Starbucks Rewards Visa Card
Flights	5X	0.25X
Starbucks	1X

Category-by-Category Winner

The Starbucks Rewards Visa Card wins in 5 of 8 categories. The The Platinum Card from American Express leads in 3.

Flights

The Platinum Card from American Express earns 5X vs 0.25X

Hotels

The Platinum Card from American Express earns 1X vs 0.25X

Starbucks

Starbucks Rewards Visa Card earns 3X vs 1X

Grocery Stores

Starbucks Rewards Visa Card earns 2X vs 1X

Grocery Delivery

Starbucks Rewards Visa Card earns 2X vs 1X

Gas Stations

Starbucks Rewards Visa Card earns 2X vs 1X

Internet Cable Phone

Starbucks Rewards Visa Card earns 2X vs 1X

Everyday purchases

The Platinum Card from American Express earns 1X on all other spending vs 0.25X

Is the Fee Difference Worth It?

The The Platinum Card from American Express costs — that's than the Starbucks Rewards Visa Card ($49/yr). To justify that gap, you need to extract at least $846 in annual value from the card's higher earn rates and benefits.

The Bottom Line

The Starbucks Rewards Visa Card has a lower annual fee ($49 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.

For everyday spending, the The Platinum Card from American Express earns more with its 1X base rate.

Choose the Starbucks Rewards Visa 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.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $49/yr for the Starbucks Rewards Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Starbucks Rewards Visa Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0.25X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Starbucks Rewards Visa Card doesn't?: The The Platinum Card from American Express offers lounge access. The Starbucks Rewards Visa Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the Starbucks Rewards Visa Card?: Choose the Starbucks Rewards Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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The Platinum Card from American Express — Full Review All American Express Cards

Starbucks Rewards Visa Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

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 Platinum Card from American Express vs Starbucks Rewards Visa Card

No image

The Platinum Card from American Express

American Express

No image

Starbucks Rewards Visa Card

Chase

Fees & Welcome Offer

Annual Fee

$895

$49

Welcome Bonus

80,000 Flex point

4,500 points

Earn Rates

Category	The Platinum Card from American Express	Starbucks Rewards Visa Card
Flights	5X	0.25X
Starbucks	1X

Category-by-Category Winner

The Starbucks Rewards Visa Card wins in 5 of 8 categories. The The Platinum Card from American Express leads in 3.

Flights

The Platinum Card from American Express earns 5X vs 0.25X

Hotels

The Platinum Card from American Express earns 1X vs 0.25X

Starbucks

Starbucks Rewards Visa Card earns 3X vs 1X

Grocery Stores

Starbucks Rewards Visa Card earns 2X vs 1X

Grocery Delivery

Starbucks Rewards Visa Card earns 2X vs 1X

Gas Stations

Starbucks Rewards Visa Card earns 2X vs 1X

Internet Cable Phone

Starbucks Rewards Visa Card earns 2X vs 1X

Everyday purchases

The Platinum Card from American Express earns 1X on all other spending vs 0.25X

Is the Fee Difference Worth It?

The Bottom Line

The Starbucks Rewards Visa Card has a lower annual fee ($49 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.

For everyday spending, the The Platinum Card from American Express earns more with its 1X base rate.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $49/yr for the Starbucks Rewards Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Starbucks Rewards Visa Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0.25X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Starbucks Rewards Visa Card doesn't?: The The Platinum Card from American Express offers lounge access. The Starbucks Rewards Visa Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the Starbucks Rewards Visa Card?: Choose the Starbucks Rewards Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Starbucks Rewards Visa Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

The Platinum Card from American Express vs Starbucks Rewards Visa Card

No image

The Platinum Card from American Express

American Express

No image

Starbucks Rewards Visa Card

Chase

Fees & Welcome Offer

Annual Fee

$895

$49

Welcome Bonus

80,000 Flex point

4,500 points

Earn Rates

Category	The Platinum Card from American Express	Starbucks Rewards Visa Card
Flights	5X	0.25X
Starbucks	1X

Category-by-Category Winner

The Starbucks Rewards Visa Card wins in 5 of 8 categories. The The Platinum Card from American Express leads in 3.

Flights

The Platinum Card from American Express earns 5X vs 0.25X

Hotels

The Platinum Card from American Express earns 1X vs 0.25X

Starbucks

Starbucks Rewards Visa Card earns 3X vs 1X

Grocery Stores

Starbucks Rewards Visa Card earns 2X vs 1X

Grocery Delivery

Starbucks Rewards Visa Card earns 2X vs 1X

Gas Stations

Starbucks Rewards Visa Card earns 2X vs 1X

Internet Cable Phone

Starbucks Rewards Visa Card earns 2X vs 1X

Everyday purchases

The Platinum Card from American Express earns 1X on all other spending vs 0.25X

Is the Fee Difference Worth It?

The Bottom Line

The Starbucks Rewards Visa Card has a lower annual fee ($49 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.

For everyday spending, the The Platinum Card from American Express earns more with its 1X base rate.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $49/yr for the Starbucks Rewards Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or Starbucks Rewards Visa Card?: The The Platinum Card from American Express has a higher base earn rate (1X vs 0.25X), but both cards have different bonus categories where they excel.
What benefits does the The Platinum Card from American Express have that the Starbucks Rewards Visa Card doesn't?: The The Platinum Card from American Express offers lounge access. The Starbucks Rewards Visa Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the Starbucks Rewards Visa Card?: Choose the Starbucks Rewards Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

Starbucks Rewards Visa Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+$49 annual fee with strong earning potential for frequent Starbucks customers
+3 Stars per $1 at Starbucks (when paying through the app)
+Automatic Gold Status in Starbucks Rewards
+2 Stars per $1 on grocery, gas, and phone/cable/internet
+8 bonus Stars on first purchase each month

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$49 annual fee with no waiver option
−Very low base earn rate (1 Star per $4 on other purchases)
−Stars only redeemable at Starbucks (no cash back option)
−3% foreign transaction fee
−Must use Starbucks app as payment method for best earn rate

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+$49 annual fee with strong earning potential for frequent Starbucks customers
+3 Stars per $1 at Starbucks (when paying through the app)
+Automatic Gold Status in Starbucks Rewards
+2 Stars per $1 on grocery, gas, and phone/cable/internet
+8 bonus Stars on first purchase each month

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$49 annual fee with no waiver option
−Very low base earn rate (1 Star per $4 on other purchases)
−Stars only redeemable at Starbucks (no cash back option)
−3% foreign transaction fee
−Must use Starbucks app as payment method for best earn rate

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+$49 annual fee with strong earning potential for frequent Starbucks customers
+3 Stars per $1 at Starbucks (when paying through the app)
+Automatic Gold Status in Starbucks Rewards
+2 Stars per $1 on grocery, gas, and phone/cable/internet
+8 bonus Stars on first purchase each month

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$49 annual fee with no waiver option
−Very low base earn rate (1 Star per $4 on other purchases)
−Stars only redeemable at Starbucks (no cash back option)
−3% foreign transaction fee
−Must use Starbucks app as payment method for best earn rate

The Platinum Card from American Express vs Starbucks Rewards Visa Card

The Platinum Card from American Express

Starbucks Rewards Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs Starbucks Rewards Visa Card

The Platinum Card from American Express

Starbucks Rewards Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

The Platinum Card from American Express vs Starbucks Rewards Visa Card

The Platinum Card from American Express

Starbucks Rewards Visa Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?