American Express Platinum vs. Chase Sapphire Reserve
A side-by-side look at American Express Platinum and Chase Sapphire Reserve - annual fees, where each card earns the most, and signup bonus value, pulled straight from our card database.
American Express Platinum
Annual fee$895/year
Signup bonus175,000 points
Flights direct5x
Hotels via portal5x
Extensive lounge network and statement credits; effective fee is much lower if credits are fully used, easy to overstate value if they aren't. Fee rose from $695 to $895 in recent...
Full American Express Platinum details →
Chase Sapphire Reserve
Annual fee$795/year
Signup bonus100,000 points
Travel via portal8x
Travel direct4x
Dining3x
Travel general3x
Points worth 50% more via Chase travel portal. Fee rose from $550 to $795 in mid-2025; offset by a bundle including a $300 travel credit, dining/StubHub credits, and lounge access...
Full Chase Sapphire Reserve details →
At a glance
- Chase Sapphire Reserve has the lower annual fee ($795/year vs. $895/year).
- American Express Platinum earns the most on Flights direct (5x).
- Chase Sapphire Reserve earns the most on Travel via portal (8x).
- American Express Platinum has the higher estimated signup bonus value after the annual fee.
Figures above are pulled directly from each card's own page - see the full American Express Platinum or Chase Sapphire Reserve pages for category caps, issuer rules, and redemption notes before deciding.