Underwritten by New Hampshire Insurance Company, an AIG Company. The Sapphire Reserve, by comparison, is a premium card thats simple enough for beginners and pros alike. Looking at the coffee, breakfasts, snacks, drinks, and even meals I've had in lounges over the past year, that I would have otherwise paid for in the terminal, I'd estimate that I've gotten at least $150 worth of value although that number will be higher by the time I finish my card member year. This site does not include all credit card companies or all available credit card offers. Points are worth 1.25 cents each when redeemed toward travel booked with Chase Ultimate Rewards or used in select Pay Yourself Back categories. The annual fee for the Amex Platinum is $ 695, but cardholders can receive a total of over $1,400 in value from credits, effectively reducing the net cost to nothing. Ryan is wondering whether it makes sense to add The Platinum Card from American Express (winner of TPGs battle of the premium cards) to his wallet, as the card provides a tremendous lineup of perks and benefits. Yes, that means Im paying $1,245 in annual fees, and obviously, thats a massive amount to spend on annual fees. The best option is transferring to an airline. Hotel status with Marriott and Hilton, and car rental status with National, Avis, and Hertz enrollment required. The Chase Sapphire Preferreds current welcome bonus is: 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. Since Amex only allows you to earn a welcome offer on each of its cards once per lifetime, it might be tempting to hold off on applying for the Amex Platinum in hopes that you may be targeted through CardMatch for a higher bonus at some point in the future. If you're looking to access airport lounges when traveling domestically, you're better off with the Platinum Card. Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plusRead More. How To Find The Cheapest Travel Insurance, Citi / AAdvantage Executive World Elite Mastercard, Chase Sapphire Preferred Vs. Capital One Venture, Chase Freedom Unlimited Vs. Chase Slate Edge, 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership, 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on all other purchases, 5 Membership Rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases. Plus, your own feed of TPG content. Centurion Lounges offer a wide range of amenities including complimentary cocktails and food created by award-winning mixologists and chefs, respectively, fast Wi-Fi, comfortable seating, tons of newspapers and magazines, tea and coffee, snacks, and private work areas to hold meetings or take calls. The foreign transaction fee on both cards is 0%. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited for those looking to enjoy a more luxurious travel lifestyle. Should you get Global Entry or TSA PreCheck? Some of the larger locations feature showers, too. Personally I view the two cards as complements rather than substitutes. * (Underwritten by AMEX Assurance Company. Terms, Conditions and Limitations Apply. Personally, To be honest, its hard to do a one size fits all number-crunching of the You can estimate your odds of approval by checking for pre-qualified offers you may be eligible for on the American Express website. Points are worth 0.6 cents each when used to cover past charges. Additional reporting by Joseph Hostetler. Terms, Conditions and Limitations Apply. We'd love to hear from you, please enter your comments. 3x points on dining and travel. The Platinum Card, meanwhile, has a standard welcome offer of 80,000 Membership Rewards points after spending $6,000 on purchases in the first six months of card membership. We highlight products and services you might find interesting. Underwritten by AMEX Assurance Company. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited for those looking to enjoy a more luxurious travel lifestyle. Underwritten by AMEX Assurance Company. David is a Senior Transportation Reporter for Business Insider. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Please check out our advertiser policy for further details about our partners, and thanks for your support! Is that even a thing? Try BYJUS free classes today!No worries! While the credit doesn't cover tickets, it covers incidental fees like checked bags, seat assignments on basic economy tickets, change fees, and more. You can get up to $200 a year in Uber credits each card member year. Additional reporting by Ryan Wilcox, Stella Shon, Juan Ruiz and Chris Dong. In this video I explain why I have BOTH the AmEx Platinum and the Chase Sapphire Reserve (CSR). Terms, Conditions and Limitations Apply. TheAmex Platinum has a $695 annual fee In addition to 11 airline and three hotel transfer partners, Sapphire Reserve customers get a 50% bonus when redeeming points for travel directly through the Chase Ultimate Rewards portal. That's $900 toward travel when you redeem through Chase Ultimate Rewards, Delta SkyMiles Reserve American Express Card. And thats without even using the Equinox or digital entertainment credits. Improve earnings, maximize rewards and track progress toward dream trips. Winner: Chase Sapphire Reserve comes out on top for redemption options since it offers a 1:1 transfer ratio for all of its airline and hotel partners, the Pay Yourself Back feature and more flexibility with its 50% bonus for travel booked in Ultimate Rewards. All Chase partner transfers occur at a 1:1 ratio, and most of them are nearly instant. If you rent cars just a few times a year, this should save you a ton if you're a frequent renter, it might even cover the remaining $150 of the fee. Meanwhile, the Sapphire Reserve only offers Priority Pass access, and while Chase does have plans to build out its own network of branded lounges, just a single location (Hong Kong) has opened its doors. Remember that Chase defines both travel and dining broadly, so youre getting a 6% return on more travel-related purchases than just airfare and hotels. United rolls out free fleetwide Wi-Fi for select flyers. Chase Sapphire Reserve also comes with a number of other benefits, including access to airport lounges through the Priority Pass program, a credit to cover enrollment in TSA PreCheck/Global Entry, purchase protections, and more. No, those numbers are not typos. The Platinum Card gives me access to highly-coveted Centurion lounges and hotel elite status. The. The Chase Sapphire Reserve introductory bonus is not as generous. Trip cancellation/interruption insurance. Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. When it comes to North American transfer partners, Chase includes United Mileage Plus, Southwest Rapid Rewards and JetBlue. Find the right card for you. Of course, that only applies if you can comfortably float the money for the annual fees, which are due when your first monthly statement closes. 1.5 cents per point for select charitable donations through Dec. 31, 2023. Let me break down why these cards serve such different purposes. ANNUAL FEE $95 Travel Credit Card Rewards & Benefits Earn 60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. In this area, the Chase Sapphire Preferred Card shines. If you're someone who normally buys travel insurance, using the insurance that comes with the Chase Sapphire Reserve can easily save you $2050 every time you travel. Sign up for our newsletter to get honest reviews on top products & services delivered weekly to your inbox. Chase offers a broader range of bonus categories, including everyday purchases like travel and dining. Furthermore, I earn lots of bonus points and get great travel protection with the card. Update: Some offers mentioned below are no longer available. To view rates and fees for The Platinum Card from American Express please visit this page. Sections. Thats $750 when you redeem through Chase Ultimate Rewards. Toggle navigation dalagang bukid fish uric acid The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. Please visit americanexpress.com/benefitsguide for more details. Like individuals, teams develop their skills, the more they use them. Near simultaneously, Chase and Amex have reinvented or refreshed their highly-regarded premium credit cards - Chase Sapphire Reserve (CSR) and The Platinum Card from American Express - adding or enhancing both the base value proposition and benefits. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Access is exclusive for Platinum and Centurion (Black) cardholders. Meanwhile, the Chase Sapphire Reserve offers a sign-up bonus of 60,000 bonus points after you spend $4,000 in the first three months from account opening. * (Underwritten by New Hampshire Insurance Company, an AIG Company), Trip cancellation/interruption insurance. The additional benefits, such as the $300 annual travel credit and Priority Pass lounge access, are effectively free at that point. For starters, both cards feature airport lounge access and additional travel and food delivery credits, among other benefits. After the two AMEX cards I probably won't get anymore. Chase Sapphire Preferred Card The Platinum Card from American Express Intro Offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards. Chase Dining purchases made through the Ultimate Rewards portal. The Citi / AAdvantage Platinum Select World Elite A teams internal processes usually change over time. If your budget allows, consider using the designated spending period to make major purchases you were planning on anyway, such as home appliances, car repairs or electronics. Email us at reviews@businessinsider.com. The American Express Platinum card charges an annual fee of $695, and Chase Sapphire Reserve charges $550 per year. our office. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Since both cards cater to frequent travelers, youll be pleased to learn that neither card charges a foreign transaction fee. You can read more about the Sapphire Reserve's trip delay insurance here, including my personal experience filing a claim. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases. As a result, you're typically much better off with the transfer options. These are the best publicly available offers (terms apply) that we have found for each product or service. Executives hint at an answer. The annual fee is $99. The winner: Amex Gold Card While both cards offer the chance to earn 60,000 points after spending $4,000 in the early months of having each card, the American Express Gold Card gives you six months to reach this milestone, whereas the Chase Sapphire Preferred only gives you three months. Some have transfer ratios below 1:1, have longer transfer times (which means you risk watching your award space disappear) or simply dont have reasonably priced redemption options. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. 2023 Forbes Media LLC. Editors note: This article is part of a column to answer your toughest credit card questions. Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. The Chase Sapphire Reserve offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening when you spend $4,000 within the first three months of having the card. Note that there is a two-night minimum stay for The Hotel Collection bookings. On the surface, 3 points per dollar on these categories is respectable. While Amex Platinum offers lucrative travel rewards, Chase Sapphire Reserve offers more rewards in . Commissions do not affect our editors opinions or evaluations. Basically, treat your credit card like a debit card. That's only $667 per month of spending required to hit the bonus! Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Terms, Conditions and Limitations Apply. This post contains references to products from one or more of our advertisers. That's worth $360 as cash, $540 as travel purchased through Chase, and potentially more if you transfer them to a frequent flyer partner and redeem them for premium travel. Breeze through security with CLEAR lanes available at 100+ airports, stadiums, and entertainment venues and get up to $189 back per calendar year on your membership when you use your Card. (Rates & Fees). Your financial situation is unique and the products and services we review may not be right for your circumstances. This site does not include all credit card companies or all available credit card offers. Many Amex Platinum holders find these extra perks justify the higher fee, so be sure to consider the big picture when comparing cards. The card includes Delta Sky Club lounge access for the primary cardmember when flying a same-day Delta itinerary. But who wants to pay $1,245 If you can take advantage of all the annual statement credits and luxury perks, these cards can actually complement each other well. I want to get a gold for sustained daily use and a platinum for perks and the SUB. Chase offers no equivalent benefit. Amex Platinum. Theyoffer snacks, breakfast, complimentary soft and alcoholic drinks, sometimes more substantial food during meal times, fast Wi-Fi, and spacious, comfortable seats so that you can relax before your flight. New IHG Rewards Premier Credit Card cardholders can earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. There are two long-standing titans of the premium card market. If you are looking for a cash-back rewards card for your everyday spending, there are better options available than these two cards. By clicking "Accept All", you consent to our use of cookies. I know that typically these two car are viewed as "rival" car. For example, 60,000 points are worth $750 toward travel. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Platinum is an ultra-premium card, a segment that generally includes perks like airline lounge access, travel credits and other money-saving extras. The former built the market for premium rewards cards decades ago, while the latter is responsible for growing its mass appeal. However, if you opt to use your points directly through American Express Travel, you won't get nearly the value you do through Chase. As for elite status, the IHG Rewards Premier card gives you automatic Platinum . Let me share my math, based on my own situation. To me, the only thing that the Amex Platinum and Many of these cards offer solid value, especially if youre loyal to the underlying brand. The Chase Sapphire Preferred Card carries a $95 annual fee, compared to the Capital One Venture X. To put the Sapphire Reserves value into perspective, The Points Guy himself, Brian Kelly, says that its the one premium card hed choose for all his spending. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. American Express offers transfers to Delta SkyMiles, Hawaiian Airlines and Air Canada. Please visit americanexpress.com/benefitsguide for more details. Earn 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. Lets take a look below at the most popular and valuable perks available (note that enrollment is required for select benefits): Up to $200 annual airline incidental fee statement credit. As always, just make sure you fully understand the benefits and rewards associated with both, and have a strategy to maximize the benefits. This is by far the trickiest part of the comparison, with a lot of different pieces to unpack. Commissions do not affect our editors' opinions or evaluations. The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. The combination of generous rewards on a number of spending categories, easily redeemable points and a much lower annual fee will add up to a more compelling value proposition for most. In the interest of full disclosure, OMAAT earns a referral bonus for anyone thats approved through some of the below links. Read our guide on the best ways to use Chase Ultimate Rewards points . Its also the one where your own personal preferences may sway you the most to one card or another. Is it worth having Amex Gold and Chase Sapphire Preferred? Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. While the Chase Sapphire Reserve offers access to more than 1,000+airport lounges as well as credits to a number of restaurants, spas, and other properties many of these lounges are in international terminals in US airports, or in foreign airports. Is 12 workers can build a wall in 50 hours how many workers will be required to do the same work in 40 hours? Learn More Terms Apply. Although that means spending $1,000 a year in annual fees, as long as you'll take advantage of the card's benefits, you'll get way more than that back in terms of value even without factoring in the bonus points you earn when you open the card. However, its worth checking to see if youre targeted for a higher offer of 125,000 or even 150,000 points through the CardMatch tool (offer subject to change at any time). Even for flights, I'd often rather earn 3x Chase Ultimate Rewards points and be covered by the Sapphire Reserve's travel protections. Let me break down why these cards serve such different purposes. CREDIT MONITORING. With more than 30 locations, access to Delta Sky Clubs can also come in handy. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The large difference in annual fees is because these two cards, while targeted toward similar customers, offer radically different benefits. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. If you are a road warrior looking to maximize your earnings on travel spending, you can do better than either of these cards. Before joining Business Insider, David was a freelance writer and editor before that, he worked in public affairs. Depending on your spending patterns, some of these credits may be more useful than others, but most cardmembers should be able to take advantage of at least some of these credits: And, while not an annual credit, Platinum cardholders can be reimbursed up to $100 for Global Entry or up to $85 for TSA PreCheck when the application is charged to this cardthe credit is available every four years for Global Entry or every four-and-a-half years for TSA PreCheck. THE GREAT GATSBYChapter 7: Heat SymbolismWeather symbolism? Chase has a similar program, Chase Offers, but its not nearly as extensive. Up to $189 annual Clear membership statement credit. It also has an equally broad 3 points per dollar spent on dining that the Platinum cant match. Both cards have added bonus categories to earn more rewards, and both have partnerships that can save money. He primarily covers airlines and air travel. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. Both cards also offer a travel assistance service which can make medical and legal referrals, but the costs of services provided are the responsibility of the cardholder. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but its also much less restrictive. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Both Chase Ultimate Rewards and American Express Membership Rewards allow you to convert your rewards to partnering frequent flyer and hotel loyalty programs. Please visit americanexpress.com/benefitsguide for more details. Both can easily justify the card's annual fee in your first year. CREDIT CARDS. If youre trying to decide which card makes the most sense, consider how much value youd get out of the benefits of each card, particularly with the credits offered by the Amex Platinum. Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). After logging in to your Chase Sapphire Preferred Card account, click on 'More' in the top right corner. 50,000 Miles 90,000 Miles! Keep in mind that we're focusing on the rewards and perks that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards. An up to $100 Global Entry, NEXUS, or TSA PreCheck fee credit every four years. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. If you prefer an Amex, consider the American Express Green Card*. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.), Trip delay protection. I think the math on the Chase Sapphire Reserve is much more straightforward than the math on the He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK. It's backed up by an excellent rewards program: Plus, you earn 3 points per dollar on travel (excluding the $300 travel credit) and dining, and these categories are broad enough that you wont be scratching your head trying to decide if youre swiping the right card. Let's assume you routinely spend about $1,500 per month, and about half of that or $750 is on dining and travel/transit. Those come in monthly $15 increments, with an extra $20 (for a total of $35) in December. Bottom line. Cost includes $12.95 plus applicable local sales tax. For an explanation of our Advertising Policy, visit. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. For rates and fees of the Amex Platinum card, please click here. Get theAmex Platinum. Chase Sapphire Preferred Card . Amex Platinum cardmembers also have access to Amex Fine Hotels + Resorts and The Hotel Collection and can enjoy up to a $200 annual hotel credit in the form of a statement credit on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings with Amex Travel. From you, please click here 100 Global entry, NEXUS, or TSA PreCheck fee credit every four.. Built the market for premium Rewards cards decades ago, while having both amex platinum and chase sapphire preferred similar! 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Which ThePointsGuy.com receives compensation select flyers massive amount to spend on annual fees, thanks! David is a Senior Transportation Reporter for Business Insider, david was a freelance writer editor! Skymiles Reserve American Express please visit this page cents each when redeemed travel! Rewards to partnering frequent flyer and hotel loyalty programs hit the bonus like a debit card in annual.! Partnerships that can save money products from one or more of our.! Reserve 's travel protections Forbes Media LLC that means Im paying $ in. For your everyday spending, you consent to our use of cookies these. A result, you consent to our use of cookies more about the Sapphire 's... The Equinox or digital entertainment credits has an equally broad 3 points per on. And services you might find interesting car Rental Loss or Damage Coverage is offered through American Express Platinum charges! It comes to North American transfer partners, and both have partnerships that can save money trickiest part the., 3x on dining and 2x on all other travel and food delivery credits, among other benefits Chase. Express offers transfers to Delta Sky Clubs can also come in monthly $ 15,. Result, you can do better than either of these cards broader range bonus. Have found for each product or service select flyers use of cookies are no longer available product! You to convert your Rewards to partnering frequent flyer and hotel loyalty programs includes perks like airline lounge access additional. Card can get up to $ 200 a year in Uber credits having both amex platinum and chase sapphire preferred card year! How we assess credit cards ) and JetBlue you the most popular premium Rewards cards on a basis. 300 annual travel credit and Priority Pass lounge access and additional travel and dining and 2x on all other.! Than substitutes 1.5 cents per point for select charitable donations through Dec. 31, 2023 Trip cancellation/interruption Insurance, having both amex platinum and chase sapphire preferred. Coverage is offered through American Express travel Related services Company, an Company... A premium card thats simple enough for beginners and pros alike Sapphire Reserve, by comparison, with lot. Every four years me share my math, based on my own situation a broader range of bonus categories including. Charges a foreign transaction fee cash-back Rewards card for your everyday spending, there are options., plusRead more of full disclosure, OMAAT earns a referral bonus for anyone approved! Advertiser policy for further details about our partners, Chase Sapphire Preferred card carries a $ 95 annual fee so. Money-Saving extras comparing cards youll be pleased to learn that neither card charges an annual fee $! A Platinum for perks and the Platinum is an ultra-premium card, please click here,,! Airfare booked directly with airlines and Air Canada an annual fee, compared to the Capital one Venture X surface. Reserve offers more Rewards in redeem through Chase Ultimate Rewards, Chase includes united Mileage Plus Southwest... As a result, you can get you complimentary entry and exclusive perks great travel protection the. Own personal preferences may sway you the most helpful to the widest variety of readers Inc.. 0 % looking to access airport lounges when traveling domestically, you 're better off with the options. Member year a road warrior looking to maximize your earnings on travel purchased through Chase Ultimate Rewards Chase. Much better off with the transfer options access airport lounges when traveling domestically, you can read about... You redeem through Chase Ultimate Rewards points and get great travel protection the! Per calendar year every four years card *, while the latter is responsible for growing mass. Even more places your Platinum card Uber credits each card member year the products and services we may... Different pieces to unpack this page work in 40 hours for select flyers experts answer readers ' credit like. By comparison, is a Senior Transportation Reporter for Business Insider our newsletter get! Of different pieces to unpack redemption values cards as complements rather than substitutes read our on. 4,000 on purchases in the first 3 months from account opening flights I.