Chase Sapphire Reserve vs American Express Platinum Credit Card Comparison
Updated September 19, 2026 · Representative rates from current offers
Monthly spend
Model your real wallet
Total: $1,550/mo
Chase Sapphire Reserve | American Express Platinum Card Best value | |
|---|---|---|
| Net annual value | +$42/yr | +$202/yr |
| Annual fee | $795/yr | $695/yr |
| Rewards rate | Varies by category | Varies by category |
| Sign-up bonus | $1,000 | $800 |
| 0% intro APR | None | None |
| Regular APR | 19.49% | 19.49% |
| Credit tier | Good–Excellent | Good–Excellent |
| Best for | Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. | You may be eligible for as high as 175,000 Membership Rewards points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and y |
See offer → You'll leave SwitchWize. Verify terms with the issuer. | See offer → You'll leave SwitchWize. Verify terms with the issuer. |
Net annual value
+$42/yr
- Annual fee
- $795/yr
- Rewards rate
- Varies by category
- Sign-up bonus
- $1,000
- 0% intro APR
- None
- Regular APR
- 19.49%
- Credit tier
- Good–Excellent
- Best for
- Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value
+$202/yr
- Annual fee
- $695/yr
- Rewards rate
- Varies by category
- Sign-up bonus
- $800
- 0% intro APR
- None
- Regular APR
- 19.49%
- Credit tier
- Good–Excellent
- Best for
- You may be eligible for as high as 175,000 Membership Rewards points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and y
You'll leave SwitchWize. Verify terms with the issuer.
Net annual value = (monthly spend × rewards rate × 12) + sign-up bonus ÷ 3 years − annual fee. Estimates only — actual value varies by spend and redemption. Full rewards calculator →
How to read this comparison
These are representative current offers, not a personalized quote. Your actual APR depends on your credit profile. Confirm the current terms on each provider’s site before applying.
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FAQ
Is Chase Sapphire Reserve or American Express Platinum better?
It depends on your spending. Compare the annual fee, rewards rate, and sign-up bonus in the table above, then model your real spend to see which card earns more.
Are these credit card rates personalized to me?
No. The rates shown are representative of current offers and will vary with your credit score, and creditworthiness. Always get a personalized quote before applying.
Can I apply to both?
You can, but multiple card applications in a short window can lower your score. Prequalify where possible and apply to your top choice.