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Amex Platinum vs Chase Sapphire Reserve

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Chase Sapphire Reserve leads by 8.2 pts. Scores: Amex Platinum 55.7%, Chase Sapphire Reserve 63.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Platinum nets −$593/yr, Chase Sapphire Reserve nets −$439/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePlatinum: 1.0 · Reserve: 1.0
• Rewards ratePlatinum: 6.0 · Reserve: 6.5
• Sign-up bonusPlatinum: n/a · Reserve: 10
• Intro 0% APRPlatinum: 0.0 · Reserve: 0.0
• Regular APRPlatinum: 7.0 · Reserve: 7.2
• Foreign transaction feePlatinum: 10.0 · Reserve: 10.0
• Regulatory record (CFPB)Platinum: 10.0 · Reserve: 10.0

Downsides

• Amex Platinum55.7%
  American Express · travel
  Annual fee $895APR 19.74%–28.74% variableRewards 5x flights (direct/Amex Travel, up to $500k) & prepaid hotels via Amex Travel; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $895 annual fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

• Chase Sapphire Reserve63.9%
  Chase · travel
  Annual fee $795APR 19.74%–28.24% variableRewards 8x Chase Travel; 4x flights & hotels booked direct; 3x dining; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $795 annual fee · APR up to 28.24% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Amex Platinum or Chase Sapphire Reserve?

On VaultRubric's rubric: Chase Sapphire Reserve scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.