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.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Chase Sapphire Preferred nets $233/yr, Amex Platinum nets −$593/yr after annual fees. Use your own numbers →
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
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)
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, Chase Sapphire Preferred or Amex Platinum?
On VaultRubric's rubric: Chase Sapphire Preferred 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.