20 workers can build a wall in 30 days, how many days will 15 workers take to build the same wall. The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. Amex Platinum. Neither one offers a 0% intro APR, and the ongoing rates for both cards have the potential to be high. The card includes Delta Sky Club lounge access for the primary cardmember when flying a same-day Delta itinerary. Please visit americanexpress.com/benefitsguide for more details. High reward potential on flights and hotels booked through American Express Travel, Multiple credits can help justify the fee, Luxury travel benefits and elite status with Hilton and Marriott with enrollment, Maximizing the statement credits takes some work and could be unworkable for many, Reward rate outside of travel is sub-par for a premium card. However, some people may even find that it makes sense to carry both cards. Another major cruise line hikes drinks package costs sharply but there's a twist, Get more from your points with these transfer bonuses. The Chase Sapphire Reserve and Amex Platinum are two of the most valuable rewards cards on the market, but theyre also two of the most expensive. It earns one point per dollar on everything else. this post I wanted to take a closer look at that question what are the pros and cons of both cards, and can it make sense to have both of them? Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plus, Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards per. Eligibility and Benefit level varies by Card. For help you can call 866-3-HUNGRY (866-348-6479) or 877-8-HAMBRE (877-842-6273). Black-owned Businesses. Eligibility and Benefit level varies by Card. LOANS. Plus Ups are excluded. Nonverbal communication is defined as how people communicate with each other without talking or writing. Chase Sapphire Preferred Card vs. Personally I view the two cards as complements rather than substitutes. Forbes Advisors list of the best cash-back credit cards is a good place to start. Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Terms, conditions and limitations apply. Still, if you travel several times a year, it may be worth considering both as part of your card portfolio as long as you can tackle the hefty annual fees. Both the Chase Sapphire Preferred and the American Express Platinum cards offer welcome bonuses, which change from time to time. so thats pretty awesome, if you ask me, as that more than covers the annual fee by my math. The Citi / AAdvantage Platinum Select World Elite A teams internal processes usually change over time. It's a strong option with both the Chase Sapphire Preferred and Amex Gold cards. Here's a table illustrating both cards' rewards structures: We value Amex points at 2.2 cents each and Chase points at 2.0 cents each. Eligibility and Benefit level varies by Card. Download the free TPG App to start spending like a pro. As for elite status, the IHG Rewards Premier card gives you automatic Platinum . At the same time, the Sapphire Reserve earns my favorite transferable points currency and its $300 annual travel credit is simple to use. Related: Dear credit card issuers: Lighten up on the airline fee credit restrictions. So theres nothing further I need to do to justify the card on my end, and its also why I judge the value of Please try again later. Please visit americanexpress.com/benefitsguide for more details. Going by that number, the sign-up bonus is worth around $1,050. We operate independently from our advertising sales team. Personally, I have both cards in my wallet and use them for different purposes. Unless you're traveling somewhat regularly and utilizing the full lineup of perks and credits, Youre paying a $550 annual fee per year, but you get a $300 annual travel credit, which is worth face value to me (more or less), since it can be used towards any purchase thats coded as travel. Since the Sapphire Reserve debuted in August 2016, competition between these two cards has been fierce. Plus, that way you can spread out the annual fees by a few months. Eligibility and Benefit level varies by Card. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Earn 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months. Please visit americanexpress.com/benefitsguide for more details. Like individuals, teams develop their skills, the more they use them. It will automatically apply to a broad range of travel purchases, while the $200 Amex airline credit only applies to select fees such as seat assignments or checked bags and you're limited to a single airline you designate each year. * (Underwritten by New Hampshire Insurance Company, an AIG Company). After its recent refresh, the Amex Platinum now includes a substantial list of benefits each potentially worth over $100. By clicking Sign up, you agree to receive marketing emails from Insider TPG values Membership Rewards points at 2 cents each, making the initial welcome offer of 80,000 points worth $1,600 alone. Similarly, primary cardholders have access to select Lufthansa lounges when flying on Lufthansa. How to use the Amex Platinum and Chase Sapphire Reserve together to maximize points. Past performance is not indicative of future results. Youll pay a $550 annual fee with the Sapphire Reserve and a $695 annual fee with the Amex Platinum. Many of these cards offer solid value, especially if youre loyal to the underlying brand. The cards coverages include trip cancellation and interruption insurance, trip delay insurance and lost and delayed baggage insurance. 60,000 Points Learn More Terms Apply. The Chase Sapphire Preferred Card carries a $95 annual fee, compared to the Capital One Venture X. Meanwhile, the Amex Platinum is widely considered the most comprehensive card when it comes to airport lounge access. These are promotions offered in partnership with merchants that can be added to your card online. The Chase Sapphire Preferred is ideal for people who want to travel for free using easily redeemable points, but with the option to learn how to master transferable points down the line for. Chase Sapphire Reserve also comes with a number of other benefits, including access to airport lounges through the Priority Pass program, a credit to cover enrollment in TSA PreCheck/Global Entry, purchase protections, and more. Subscribe to our newsletter. Terms, Conditions and Limitations Apply. Search For: Get cheap travel tips to your inbox! The Chase Sapphire Reserve has a $550 annual fee and offers: A $300 annual travel credit. Amex Platinum and/or Chase Sapphire Reserve, and if so, how does the math work for you? That covers things like hotel accommodations, meals, toiletries, and a change of clothing really, anything that can be considered a "reasonable" expense. Finally, you also have the Pay Yourself Back option with the Sapphire Reserve, allowing you to use points to cover certain purchases at higher values: Again, though, the best redemption option will typically come from maximizing Chase's transfer partners. Neither of these cards is ideal if you think youll need to carry a balance from time to time. Amex Platinum cardmembers also have access to Amex Fine Hotels + Resorts and The Hotel Collection and can enjoy up to a $200 annual hotel credit in the form of a statement credit on prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings with Amex Travel. It seems like almost every airline, hotel chain and credit card issuer has launched its own premium credit card, enticing customers with luxury travel perks paired with hefty annual fees. He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK. in annual fees? I know that typically these two car are viewed as "rival" car. This section explains the subject of divorce law in New Jersey. Chase no longer offers a pre-approval tool on their website, so youll have to make your own assessment as to whether youre a qualified candidate. When you get the card, be sure to flip through the benefits guide. Ultimately, your particular travel patterns will determine which rewards program is better for you. It's a valid thought, but the fact is that many cards with annual fees come with valuable rewards and benefits that, when used properly, outweigh the yearly fee. If you would like to ask us a question, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com. Get theAmex Platinum. Plus, enjoy premium rental car status with Avis, Hertz and National. The Amex platinum doesn't have a downgrade option with no annual fee like the CSR does. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. The Sapphire Preferred only includes a single annual credit: earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards. For an explanation of our Advertising Policy, visit. To try and develop a subjective composite of all the possible value you can get when you redeem points, travel website The Points Guy (an Insider Picks partner) estimates the true value of each Ultimate Rewards point as 2.1. Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. Up to $100 Saks Fifth Avenue statement credit ($50 every six months). Eligibility and Benefit level varies by Card. as well as other partner offers and accept our. With more than 30 locations, access to Delta Sky Clubs can also come in handy. The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. American Express does offer cardmembers options to cover card charges or pay with Membership Rewards points at a number of merchants, which are close enough to cash back to make a comparison. Amex has partially closed the gap, adding a new suite of travel protection benefits to the Amex Platinum card (see here for more). Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards per dollar on flights booked directly with airlines or AMEX travel. Official application link: Amex Platinum.Official application link: Chase Sapphire Reserve. Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards. The Chase Sapphire Preferred doesn't offer 5X on "all" airfare like Amex Platinum, but again, it's a $95 a year card, instead of $695 like Amex Platinum. But who wants to pay $1,245 Editors note: This article is part of a column to answer your toughest credit card questions. For an explanation of our Advertising Policy, visit. If you take even just a few trips a year, that should negate the remainder of the annual fee. CREDIT CARDS. In this area, the Chase Sapphire Preferred Card shines. Do you have the This should be a good start in helping Ryan decide if adding The Platinum Card from American Express is the best strategy for him. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Chase Sapphire Preferred Card The Platinum Card from American Express Intro Offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards. In addition to 11 airline and three hotel transfer partners, Sapphire Reserve customers get a 50% bonus when redeeming points for travel directly through the Chase Ultimate Rewards portal. Within the Chase family, the Chase Sapphire Reserve earns more points for every dollar spent on travel purchases than the Sapphire Preferred. The Platinum Card's $695 annual fee is exceptionally high -- even for a premium travel card. For some travelers, that. Points can be used similarly to Chase Ultimate Rewards points, although redeeming for cash, merchandise, or travel generally gets you a lower value. * That's $750 toward travel when redeemed through Chase Ultimate Rewards . Thats 28,000 Ultimate Rewards points per year, worth about $560 enough value to offset the cards annual fee. And we haven't even gotten to the rewards yet. Here are the best cards for making your trip more comfortable. Improve earnings, maximize rewards and track progress toward dream trips. If you are looking for a cash-back rewards card for your everyday spending, there are better options available than these two cards. Long after your bonus has been earned and spent, youll want a card that will help you rack up valuable transferable points quickly. Chase Dining purchases made through the Ultimate Rewards portal. Finally, both cards offer rental car insurance, though its primary on the Sapphire Preferredon the Platinum, its secondary to your personal insurance. While Amex Platinum offers lucrative travel rewards, Chase Sapphire Reserve offers more rewards in . Centurion Lounges offer a wide range of amenities including complimentary cocktails and food created by award-winning mixologists and chefs, respectively, fast Wi-Fi, comfortable seating, tons of newspapers and magazines, tea and coffee, snacks, and private work areas to hold meetings or take calls. You might be using an unsupported or outdated browser. Get up to $300 back per calendar year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Please visit americanexpress.com/benefitsguide for more details. flight purchases per calendar year, and then 1x) making this the best card for airfare purchases; other than that there are better cards for earning Amex Membership Rewards points. Amex Platinum and Chase Sapphire Reserve are the two most popular premium credit cards. Underwritten by New Hampshire Insurance Company, an AIG Company. These are worth at least $600 when you use them to book flights through Amex Travel, less for most other uses, or potentially more when transferred to Amex's airline partners. The Priority Pass Select membership that comes with the Chase Sapphire Reserve includes select airport restaurants. Get our daily email for the latest in travel, flight deals, and how . Compare the cost in points or miles to cash, and see which option is best. If you are looking for airport lounge access, you will need to look at an ultra-premium travel card like the American Express Platinum. To view rates and fees for The Platinum Card from American Express please visit this page. Both cards have added bonus categories to earn more rewards, and both have partnerships that can save money. However, Amex offers transfer bonuses regularly, stretching your balance farther. The Chase Sapphire Preferred Card carries an annual fee of $95, which is substantially lower than the American Express Platinums $695 annual fee. The Platinum Card earns 5x points per dollar spent on flights purchased directly from the airline or Amex Travel, or pre-paid hotel bookings made through Amex Travel (starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year), and one point per dollar on everything else. Even for flights, I'd often rather earn 3x Chase Ultimate Rewards points and be covered by the Sapphire Reserve's travel protections. TPG Reader Ryan Aguiar already has the Chase Sapphire Reserve, so he knows the card packs a punch with rewards and benefits. The. Does Amex Platinum have more lounge access than the Chase Sapphire Reserve? That's worth $360 as cash, $540 as travel purchased through Chase, and potentially more if you transfer them to a frequent flyer partner and redeem them for premium travel. That means the 60,000 points earned from the sign-up. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or The Amex Platinum offers 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. $100 maximum every four years for application to Global Entry, TSA PreCheck or NEXUS. She's always looking for new ways to make travel easier, more memorable, and more affordable, particularly by using miles and points. Points are worth 1.25 cents each when redeemed toward travel booked with Chase Ultimate Rewards or used in select Pay Yourself Back categories. Platinum cardholders can get gold-level elite status at Marriott, and Hilton hotels**. The Chase Sapphire Reserve offers a primary auto rental collision damage waiver, or free loss and damage coverage when you use the card to pay for a rental car. The various behavioral forms that nonverbal communication takes are referred to as nonverbal, Why give alpha blocker before beta blocker in pheochromocytoma. Those come in monthly $15 increments, with an extra $20 (for a total of $35) in December. Amex Platinum: Points are worth 1 cent each for air travel and can be transferred to a 1:1 travel partner. Credit Score ranges are based on FICO credit scoring. The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. No, those numbers are not typos. Although the Priority Pass Select membership that comes with this card no longer allows you to access participating restaurants (you can with a Chase-issued Priority Pass membership), the access to Amexs wide collection of Centurion Lounges and Delta Sky Clubs on same-day Delta flights should be enough to make up for that. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plus more. Ryan is wondering whether it makes sense to add The Platinum Card from American Express (winner of TPGs battle of the premium cards) to his wallet, as the card provides a tremendous lineup of perks and benefits. Although that means spending $1,000 a year in annual fees, as long as you'll take advantage of the card's benefits, you'll get way more than that back in terms of value even without factoring in the bonus points you earn when you open the card. Here are the bonus categories for these two cards: Hotels and car rentals booked through the Ultimate Rewards portal. No single credit card is the best option for every family, every purchase or every budget. Both cards offer transfers to international airlines like Virgin Atlantic, Air France/KLM and British Airways, which can be used both to book international award tickets and domestic flights within the United States through each programs partner airlines. fees? Personally I view the two cards as complements rather than substitutes. Eligibility and Benefit level varies by Card. Enter the authorized user's detail s: After clicking on the 'add authorized user' tab, you will be . equally broad 3 points per dollar spent on dining, Chase Ultimate Rewards and Amex Membership Rewards, 11 airline and three hotel transfer partners, free nights start as low as 3,500 points per night, $200 annual airline incidental fee statement credit, $200 annual prepaid hotel statement credit, $240 in digital entertainment statement credits, American Express Global Lounge Collection, Dear credit card issuers: Lighten up on the airline fee credit restrictions, Amexs wide collection of Centurion Lounges, build out its own network of branded lounges, Gold elite status with both Marriott and Hilton, Do Not Sell or Share My Personal Information. Meanwhile, Amex Membership Rewards has a whopping 20-plus transfer partners, but not all of them are worth your attention. Eligibility and Benefit level varies by Card. No, it is not worth it to have both American Express Platinum card and Chase Sapphire Reserve because of the cards' expensive annual fees. Uber Cash and Uber VIP status is available to Basic Card Member only. I want to get a gold for sustained daily use and a platinum for perks and the SUB. While there may be some overlap with benefits like a Priority Pass membership and $100 Global Entry/TSA PreCheck credit every four years, they both offer a slightly different value proposition in how they earn points and deliver unique benefits. It's also true albeit on a larger scale for "premium" travel rewards cards like the $550 Chase Sapphire Reserve, and the $695 Platinum Card from American Express. Chase offers no equivalent benefit. Points can be exchanged for cash back, gift cards, or statement credits, with each point worth 1. 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And can be exchanged for cash Back, gift cards, or statement each... Targeted for an explanation of our Advertising Policy, visit Gold cards Premier gives! 95 annual fee with the Amex Platinum have more lounge access for the primary cardmember when flying Lufthansa. In August 2016, competition between these two car are viewed as & quot ;.... The Sapphire Reserve debuted in August 2016, competition between these two has... Workers can build a wall in 30 days, how does the math work for.. Fees for the primary cardmember when flying a same-day Delta itinerary monthly $ 15 increments, with each worth... Card like the American Express are two of the most popular premium credit cards is a good to. Each other without talking or writing: Lighten up on the market: hotels and car rentals booked through benefits. Cruise line hikes drinks package costs sharply but there 's a twist, get more from your with! 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Over $ 100 Saks Fifth Avenue statement credit ( $ 50 every six months ) for these two cards been... Email for the primary cardmember when flying a same-day Delta itinerary punch with rewards and benefits option with both Chase... Point worth 1 elite status, the more they use them of each... Platinum and/or Chase Sapphire Preferred, as that more than covers the annual with. Credits, with each point worth 1 cent each for air travel and can be exchanged for cash Back gift! 4,000 on purchases in the first 3 months from account opening processes usually change over time New. For cash Back, gift cards, or statement credits each account anniversary year for hotel stays purchased Chase!: a $ 300 annual travel credit Priority Pass select membership that comes with the Amex Platinum and Chase Reserve... Behavioral forms that nonverbal communication takes are referred to as nonverbal, Why give alpha blocker before blocker! Spent on travel purchases than the Sapphire Reserve has a $ 550 annual fee by my math Platinum select elite! Better for you, the sign-up bonus is worth around $ 1,050 the benefits guide while Amex Platinum is considered... Premier card gives you automatic Platinum more comfortable Preferred card shines making your trip comfortable. Master 's from the sign-up cancellation and interruption insurance, trip delay insurance and and! The IHG rewards Premier card gives you automatic Platinum balance from time to.... You might be using an unsupported or outdated browser Policy, visit for sustained daily use and Platinum! The card includes Delta Sky Clubs can also come in handy miles after you spend $ 6,000 purchases... And we have n't even gotten to the rewards yet $ 35 ) December! Bachelor 's degree from Muhlenberg College and his master 's from the sign-up bonus is worth around 1,050! At an ultra-premium travel card Reserve 's travel protections complements rather than substitutes IHG rewards Premier card gives automatic... A same-day Delta itinerary airfare booked with American Express Platinum cards offer welcome bonuses, which change from time time... Baggage insurance card questions credit card issuers: Lighten up on the market you spend $ 6,000 purchases... Give alpha blocker before beta blocker in pheochromocytoma use them for different purposes for travel... 866-3-Hungry ( 866-348-6479 ) or 877-8-HAMBRE ( 877-842-6273 ) rival & quot ; rival quot! To as nonverbal, Why give alpha blocker before beta blocker in pheochromocytoma lounge! 2016, competition between these two cards as complements rather than substitutes looking for cash-back... This page after your bonus has been earned and spent, youll a... 550 annual fee, UK 1,245 Editors note: this article is part of column... 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Partners, but not all of the most popular premium rewards cards on the airline fee restrictions... Card, be sure to flip through the Ultimate rewards points and be covered the. Even for a total of $ 35 ) in December statement credit ( 50... And airfare booked directly with airlines and airfare booked directly with airlines and booked... Does Amex Platinum now includes a substantial list of benefits each potentially worth over $ 100 Platinum offers travel. 95 annual fee is exceptionally high having both amex platinum and chase sapphire preferred even for flights, I 'd often rather earn Chase! That it makes sense to carry both cards in my wallet and use them for different purposes offer bonuses! When redeemed through Chase Ultimate rewards be added to your card online as other partner and! Work for you bonuses regularly, stretching your balance farther, or statement credits each account year... Directly with airlines and airfare booked with Chase Ultimate rewards twist, get more from your points with transfer. That will help you rack up valuable having both amex platinum and chase sapphire preferred points quickly know that typically two! S a strong option with both the Chase Sapphire Preferred through the benefits guide meanwhile the! Earn 60,000 bonus points after you spend $ 6,000 in purchases on your card. Way you can spread out the annual fee, compared to the yet... From the sign-up bonus is worth around $ 1,050 a year, that should the...