Chase Sapphire Reserve vs Platinum American Express

The Chase Sapphire Reserve and Platinum American Express are two of the premium travel credit cards, both offering high-end perks to its users. These would include things like airport lounge access, hotel status, fee credit for Global Entry or TSA PreCheck, concierge service, generous sign-up bonus, and much more. Unsurprisingly, both cards come with a rather high annual fee of $450. But this fee is well justified, thanks to large part, to the included airport lounge access. There are other reasons as well… as you are about to find out…

The Two Cards

Head to Head Comparison

	Chase Sapphire Reserve	Platinum Card® from American Express
Sign-up bonus	100,000 points (worth $1,500 in travel services)	40,000 points (worth $400 in travel services)
Build points	3x points on travel and dining, and 1x point on other purchases.	2x points on travel and dining, and 1x point on other purchases.
Travel credit	$300 per year	$200 airline fee per year
Lounge access	Priority Pass™ Select membership	The Centurion® lounge network, the International American Express lounges, Delta Sky Clubs®, and Airspace Lounges. You can also enroll in Priority Pass™ Select.
Hotel benefits	Accelerated access to Club 5C status with Relais & Châteaux.	Hilton HHonors™ Gold Status + Starwood Preferred Guest Gold
Global Entry / TSA PreCheck credit	Up to $100 every 4th year	Up to $100 every 4th year
APR	16.24% - 23.24%	/ (you must pay your balance in full every month)
Foreign Transaction Fee	none	none
Annual Fee	$450	$450
Go for it!	Apply Now at a secure website	Apply Now at a secure website

So which of the two cards works better for you?