Card Comparison

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	Amex Platinum	Chase Sapphire ReserveApply Now →
Annual Fee	$695	$550
Effective Fee (after credits)	$55 (after $200 airline + $200 hotel + $240 digital entertainment credits)	$250 (after $300 travel credit)
Top Earn Rates	5x flights booked directly, 5x hotels booked on amextravel.com	3x travel and dining, 1.5cpp via Chase Travel portal
Lounge Access	Priority Pass, Centurion Lounges, Delta Sky Clubs (when flying Delta), Plaza Premium, Escape Lounges	Priority Pass (cardholder + 2 guests)
Travel Credits	$200 airline fee credit, $200 hotel credit (FHR / THC)	$300 annual travel credit (broad eligibility)
Other Credits	$240 digital entertainment, $200 Uber Cash, $155 Walmart+, $100 Saks, $189 CLEAR Plus	$60 DoorDash credits, Lyft Pink, DashPass
Points Currency	Amex Membership Rewards	Chase Ultimate Rewards
Best For	Luxury travel perks, lounge access, high airline/hotel spend	Flexible travel credit, strong dining/travel earn, Chase ecosystem

Amex Platinum

Annual Fee: $695
Effective Fee (after credits): $55 (after $200 airline + $200 hotel + $240 digital entertainment credits)
Top Earn Rates: 5x flights booked directly, 5x hotels booked on amextravel.com
Lounge Access: Priority Pass, Centurion Lounges, Delta Sky Clubs (when flying Delta), Plaza Premium, Escape Lounges
Travel Credits: $200 airline fee credit, $200 hotel credit (FHR / THC)
Other Credits: $240 digital entertainment, $200 Uber Cash, $155 Walmart+, $100 Saks, $189 CLEAR Plus
Points Currency: Amex Membership Rewards
Best For: Luxury travel perks, lounge access, high airline/hotel spend

Chase Sapphire Reserve

Apply Now →

Annual Fee: $550
Effective Fee (after credits): $250 (after $300 travel credit)
Top Earn Rates: 3x travel and dining, 1.5cpp via Chase Travel portal
Lounge Access: Priority Pass (cardholder + 2 guests)
Travel Credits: $300 annual travel credit (broad eligibility)
Other Credits: $60 DoorDash credits, Lyft Pink, DashPass
Points Currency: Chase Ultimate Rewards
Best For: Flexible travel credit, strong dining/travel earn, Chase ecosystem

Card details are based on publicly available information and may change. "Effective fee" calculations assume full use of listed credits — your actual value may vary. Always check the issuer's current terms.