Chase Sapphire Reserve® vs The Platinum Card® from American Express

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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The Platinum Card® from American ExpressThe Platinum Card® from American Express

American Express

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Annual Fee
$795
$895
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Membership Rewards
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
100,000 Membership Rewards after $8,000 in 180 days

Effective return by category

CategoryChase Sapphire Reserve®The Platinum Card® from American Express
Airfare8.00%
4x
10.00%
5x
Hotels & Lodging8.00%
4x
2.00%
1x
Dining & Restaurants6.00%
3x
2.00%
1x
Everything else2.00%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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