Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Amex Platinum vs. Chase Sapphire Reserve: Which card is right for you?

Deciding on the credit card that’s best for you depends largely on how you plan on using it. Both the American Express Platinum and the Chase Sapphire Reserve have been highly rated by cardholders thanks to their vast list of versatile benefits. However, they still differ in the types of rewards they offer. Let’s take a closer look at the main features of each to help you make the right choice.

American Express PlatinumCredit Card

The Amex Platinum card is best suited for frequent travelers looking to take advantage of luxury amenities. Its features include:

  • Extensive lounge access: The American Express Platinum comes with free access to 1,200+ airport lounges worldwide, including the Amex Centurion Lounges, Delta Sky Clubs, and Priority Pass.
  • Airline fee credits: Cardholders can receive an annual $200 statement credit for incidental charges such as checked bags, seat upgrades, or in-flight meals when they use their card on a chosen airline.
  • A wide selection of transfer partners: Amex offers the largest selection of airline and hotel transfer partners such as Delta Air Lines, British Airways, and Marriott Bonvoy.
  • Travel insurance: The Platinum Card includes coverage for trip cancellation, lost luggage protection, travel delay insurance, and car rental loss and damage insurance.

Chase Sapphire Reserve

The Chase Sapphire Reserve is a great option for frequent travelers who enjoy dining at restaurants and shopping at US supermarkets. Its features include:

  • Ultimate Rewards Points: Earn 3X bonus points on travel and dining, and 10X points for shopping at US supermarkets for up to $15,000 spent per year.
  • Flexible redemption options: Points can be redeemed for cash back, statement credits, gift cards, or travel.
  • A variety of travel benefits: Cardholders get airport lounge access, trip protection and cancellation coverage, and a Global Entry/TSA PreCheck credit.
  • Discounts at select merchants: Enjoy exclusive offers and discounts on the Experiences Marketplace, at select merchants, and on select Nordstrom purchases.

Before deciding which card is best for you, it’s important to consider your lifestyle and spending habits. The American Express Platinum is ideal for frequent travelers who like to take advantage of luxury perks and travel rewards, while the Chase Sapphire Reserve offers great value for diners and shoppers looking for flexible redemption options. Whichever card you choose, you can be sure you’re getting one of the best travel credit cards.