MileIntelFree Tool · Compare
Amex Platinum vs Chase Sapphire Reserve — Which Card Wins for YOU?
The Amex Platinum and Chase Sapphire Reserve are the two most popular premium travel cards. Compare annual fees, rewards rates, lounge access, and travel perks to find the best card for your lifestyle.
Select Cards to Compare
Winner
American Express Platinum
Earns $291.00 more per year
Amex Platinum
37,200
MR points
Chase Sapphire Reserve
44,400
UR points
Category Breakdown
Side-by-side earning rates and annual value per spending category.
| Category | Amex Platinum | Chase Sapphire Reserve |
|---|---|---|
| Dining$500/mo | 1x$120.00 | 3x$360.00 |
| Travel$200/mo | 5x$240.00 | 3x$144.00 |
| Groceries$400/mo | 1x$96.00 | 1x$96.00 |
| Gas$150/mo | 1x$36.00 | 1x$36.00 |
| Streaming$50/mo | 1x$12.00 | 1x$12.00 |
| Everything Else$1,000/mo | 1x$240.00 | 1x$240.00 |
How it works
How to Compare the Amex Platinum and Chase Sapphire Reserve
Use our comparison tool to find the best premium travel card for your spending profile.
Review card details
See the pre-loaded comparison of the Amex Platinum and Chase Sapphire Reserve side by side.
Enter your monthly spending
Input your typical spending in categories like travel, dining, groceries, and other purchases.
Compare rewards earned
See how many points each card earns based on your actual spending habits.
Evaluate perks and credits
Review annual credits, lounge access, and travel protections for each card.
Pick your winner
Choose the card that delivers the most value based on your personalized results.
Methodology · Amex Platinum
Annual points × cents per point ÷ 100 + credits − annual fee = net value
FAQ
Frequently Asked Questions
Which card has a higher annual fee, the Amex Platinum or CSR?
The Amex Platinum has a $695 annual fee, while the Chase Sapphire Reserve has a $550 annual fee. However, both cards offer substantial statement credits and travel perks that can offset much of the cost depending on your spending habits.
Is the Amex Platinum or CSR better for airport lounges?
The Amex Platinum offers broader lounge access, including Centurion Lounges, Priority Pass, Delta Sky Clubs (when flying Delta), and Plaza Premium. The CSR provides Priority Pass Select access. If lounge access is a priority, the Amex Platinum generally wins.
Which card earns more points on dining, the Amex Platinum or CSR?
The Chase Sapphire Reserve earns 3x points on dining worldwide, while the Amex Platinum earns only 1x on dining. For restaurant spending, the CSR is the clear winner.
Can I have both the Amex Platinum and Chase Sapphire Reserve?
Yes, you can hold both cards since they are from different issuers. Many travel enthusiasts carry both to maximize lounge access, transfer partners, and category bonuses across Amex Membership Rewards and Chase Ultimate Rewards ecosystems.
Which card has better travel transfer partners?
Both cards have excellent transfer partners but with different strengths. Chase Ultimate Rewards transfers to United, Hyatt, and Southwest, while Amex Membership Rewards transfers to Delta, ANA, and Hilton. The best choice depends on which airlines and hotels you prefer.
Track your rewards across all your cards
MileIntel monitors your points balances, finds transfer sweet spots, and alerts you to devaluations.