The card has an annual fee of $150 and earns 3 points per dollar on restaurant purchases, 3 points per dollar on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per dollar on other purchases, which can quickly add up if you are spending thousands of dollars on travel every month. 60,000 Points Learn More Terms Apply. That covers things like hotel accommodations, meals, toiletries, and a change of clothing really, anything that can be considered a "reasonable" expense. The Chase Sapphire Reserve offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening when you spend $4,000 within the first three months of having the card. Search For: Get cheap travel tips to your inbox! Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or Points can also be transferred to any of Chase's 14 airline and hotel partners. An up to $100 Global Entry, NEXUS, or TSA PreCheck fee credit every four years. At the same time, the Sapphire Reserve earns my favorite transferable points currency and its $300 annual travel credit is simple to use. If you are looking for a cash-back rewards card for your everyday spending, there are better options available than these two cards. Airfare booked through the Ultimate Rewards portal. Normally, you would need to stay for 40-50 nights to earn that level of status, so if you stay anything less than that but often enough to use the benefits this can come in extremely useful. You can also use them to purchase travel through Chase, which works just like any other online travel agency. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Enrollment required. If you are a frequent traveler, the Chase Sapphire Preferred is one of the best travel credit cards of its class. Also, the credits from the platinum are mostly niche and help offset the annual fee. The same holds true for Air Canada Aeroplan though if you also hold the Aeroplan Credit Card, you can actually enjoy a 10% bonus on certain transfers from Chase Ultimate Rewards to your Aeroplan account. Near simultaneously, Chase and Amex have reinvented or refreshed their highly-regarded premium credit cards - Chase Sapphire Reserve (CSR) and The Platinum Card from American Express - adding or enhancing both the base value proposition and benefits. Weve got your back. Secondary car rental coverage. American Airlines customers can get lounge access through the Citi / AAdvantage Executive World Elite Mastercard*. Some locations also feature shower suites, spas, or relaxation areas. Terms, Conditions and Limitations Apply. Finally, you can transfer points to Chase's airline and hotel partners' loyalty programs transferring points is generally the most valuable wayto use them. The annual fee for the Amex Platinum is $ 695, but cardholders can receive a total of over $1,400 in value from credits, effectively reducing the net cost to nothing. Its true the Amex Platinum offers Delta Sky Club access. Navigate to 'Account Services.': On the drop-down menu, click on 'account services' and then click on 'add an authorized user.'. These two popular cards are often mentioned in an either-or scenario. Complimentary DoorDash DashPass membership through Dec. 31, 2024, plus a $5 monthly credit. A flashy metal card design combined with a lucrative rewards rate and flexible redemption options makes it easy to see its long-term value. Please view our advertising policy page for more information. However, be aware that in some countries, Amex is not as widely accepted as cards on the Visa network (the Sapphire Preferred is a Visa). To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Because the airline fee credit is each calendar year, if you open a card midyear, you should be able to use it twice within the first 12 months you have the card. Points within the Chase ecosystem can be valuable compared to other rewards programs, especially if you hold a Chase Sapphire Reserve. Final Verdict. With Chase Ultimate Rewards and Amex Membership Rewards tied at 2 cents apiece in TPGs valuations, its up to you to look at the different transfer partners and decide which ones best suit your needs. Terms, Conditions and Limitations Apply. Currently, the Sapphire Reserve offers a 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, worth $1,200 according to TPG valuations. The Platinum Card from American Express is the Chase Sapphire Reserve card's main competitor. Make sure your credit card checks off these 5 boxes when traveling internationally. Some have transfer ratios below 1:1, have longer transfer times (which means you risk watching your award space disappear) or simply dont have reasonably priced redemption options. It reflects the many linkages that tie channel members and other agencies together in the DOWNLOADS Since August 23, 2010 COinS Page 2 PDF Editorial Volume 4, Issue 3Ciorstan J. Smark PDF Book Review : Social and Environmental AccountingLee C. Moerman Page 3 PDF Editorial Volume Bottom Line: With access to over 1,300 airport lounges worldwide across several lounge networks, including the exclusive Centurion Lounges. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Terms, Conditions and Limitations Apply. Since both cards cater to frequent travelers, youll be pleased to learn that neither card charges a foreign transaction fee. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Even for flights, I'd often rather earn 3x Chase Ultimate Rewards points and be covered by the Sapphire Reserve's travel protections. Winner: Amex Platinum is the clear winner when it comes to perks and benefits, which include its $1,400-plus in annual statement credits, expanded airport lounge access, travel protections, and elite status with Marriott and Hilton. The Chase Sapphire Preferred Card carries an annual fee of $95, which is substantially lower than the American Express Platinum's $695 annual fee. The best option is transferring to an airline. 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. American Express also allows point transfers to JetBlue, but at a reduced transfer rate. Plus, that way you can spread out the annual fees by a few months. Access your favorite topics in a personalized feed while you're on the go. By clicking Sign up, you agree to receive marketing emails from Insider Neither one offers a 0% intro APR, and the ongoing rates for both cards have the potential to be high. Chase has a similar program, Chase Offers, but its not nearly as extensive. In some cases, we receive a commission from our partners; however, our opinions are our own. These include: The Platinum Card from American Express People often think of the Chase Sapphire Reserve and The Platinum Card from American Express as mutually exclusive. Editors note: This article is part of a column to answer your toughest credit card questions. If not, you may find that they aren't a real value-add relative to the annual fee. While you'll get the value back, you still have to pay it up front. Compare the cost in points or miles to cash, and see which option is best. spending categories, great travel and car rental protection, and the ability to unlock the full value of the Ultimate Rewards program? Try BYJUS free classes today!No worries! 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. With either card, youll earn rewards with every purchase. With the Chase Sapphire Reserve, you can redeem points for travel through Chase's own travel portal at a rate of 1.5 cents per point. Theyoffer snacks, breakfast, complimentary soft and alcoholic drinks, sometimes more substantial food during meal times, fast Wi-Fi, and spacious, comfortable seats so that you can relax before your flight. Keep in mind you may still want to opt for the rental company's liability insurance. Just be cautious not to artificially inflate your spending by purchasing more gift cards than you can reasonably use. Please visit americanexpress.com/benefitsguide for more details. Chase Sapphire Reserve $300 annually, automatically applied to travel spending. Information provided on Forbes Advisor is for educational purposes only. Both cards also offer a travel assistance service which can make medical and legal referrals, but the costs of services provided are the responsibility of the cardholder. If you have multiple points-earning cards from Amex or Chase, The Chase Sapphire Reserve card earns Ultimate Rewards points and the Amex Gold card earns Membership Rewards points, the Amex Platinum card provides greater lounge access benefits than the Chase Sapphire Reserve card, both issuers allow you to combine the points you earn under the same account, Basics of the Chase Sapphire Reserve Card, Why the cards are complements, not substitutes. Some of the larger locations feature showers, too. Theres a minimum earning rate of 1 point per dollar spent. Please visit americanexpress.com/benefitsguide for more details. 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. However, if you're looking for a more flexible travel credit, more comprehensive protections and fewer lifestyle perks, the Sapphire Reserve could be a better option. Unless you're traveling somewhat regularly and utilizing the full lineup of perks and credits, Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plus more. Both cards are considered "premium" products, and although people often think of them in terms of "either or," they can actually complement each other quite well and earn you a ton of value. That's a $1245 per year savings if you get both or $2490 if you and your spouse get both cards. Note that there is a two-night minimum stay for The Hotel Collection bookings. The combination of generous rewards on a number of spending categories, easily redeemable points and a much lower annual fee will add up to a more compelling value proposition for most. You can get up to $200 a year in Uber credits each card member year. 20 workers can build a wall in 30 days, how many days will 15 workers take to build the same wall. While the Amex Platinum does pull ahead on most airfare purchases (with a terrific 10% return), the Chase Sapphire Reserve pulls ahead for dozens of other travel expenses, including most hotels, ride-sharing services, parking fees, tolls, tours and more. We welcome your feedback. product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. You can purchase syndication rights to this story here. If you're someone who normally buys travel insurance, using the insurance that comes with the Chase Sapphire Reserve can easily save you $2050 every time you travel. INVESTING. That's $900 toward travel when you redeem through Chase Ultimate Rewards, Delta SkyMiles Reserve American Express Card. Commissions do not affect our editors opinions or evaluations. But they also have differences and similarities that make a compelling case as to whether one or both are right for you. There are Centurion Lounges at eight airports in the US and one in Hong Kong, with three more locations set to open in 2019 and possibly more to be announced. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. Here are the best cards for making your trip more comfortable. Check here before booking an award fare. Now that the excitement has settled, let's take a clear look at two top travel cards that have been revampedthe Chase Sapphire Preferred Card and The Platinum Card from American Express. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited for those looking to enjoy a more luxurious travel lifestyle. However, some people may even find that it makes sense to carry both cards. Get theAmex Platinum. Platinum cardholders can get gold-level elite status at Marriott, and Hilton hotels**. It earns one point per dollar on everything else. Just decline the collision/damage/loss coverage offered by the rental agency. 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. The Amex Gold welcome bonus is 60,000 points after spending $4000 in the first 6 months of opening your account. Chase offers no equivalent benefit. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Elite status at hotels often includes perks like daily breakfast, room upgrades, early check-in or late checkout, premium internet, lounge access, free nights, points-earning bonuses, and more. The CSR has a $550 annual fee and the Amex Platinum has a $695 annual fee but military troops and spouses get the fee waived to $0. If youre anything like me, the math may make sense on both cards. Eligibility and Benefit level varies by Card. Eligibility and Benefit level varies by Card. Cardholders earn 5 Membership Rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases. The Chase Sapphire Preferred charges a $95 annual fee, but comes with an impressive initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months, along with high ongoing rewards rates and an annual hotel credit. Like individuals, teams develop their skills, the more they use them. She's always looking for new ways to make travel easier, more memorable, and more affordable, particularly by using miles and points. 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. See our Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card. While youll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. He primarily covers airlines and air travel. The Chase Sapphire Reserve and American Express Platinum travel cards offer flexible redemption options. Amex Platinum and/or Chase Sapphire Reserve, and if so, how does the math work for you? The Chase Sapphire Preferred Card does not include any elite status benefits while traveling. $(function () { init(); setTimeout(function () { init(); }, 400); function init() { compareWidgetAlignment(); bindEvents(); showRatingTooltip(); } function bindEvents() { $(window).on('resize', window.throttle(windowResizeHandler)); } function compareWidgetAlignment() { document.querySelectorAll('.compare-cc-wrapper').forEach(function (ele) { setSameHeightForElements(ele.querySelectorAll(".top-text")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-heading")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-title")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-rating-img-wrapper")); setSameHeightForElements(ele.querySelectorAll(".apply-now-btn-wrapper")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-below-text")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper")); setSameHeightForElements(ele.querySelectorAll(".card-img-inner-wrap")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-reward-rate")); setSameHeightForElements(ele.querySelectorAll(".detail-wrapper"), '0'); setSameHeightForElements(ele.querySelectorAll(".partner-offer"), '0'); }); } setTimeout(function () { document.querySelectorAll(".loader").forEach( function(item){ return item.style.display = "none"; }); }, 1100); function applyHeightAuto(cardsList) { cardsList.forEach(function (card) { card.style.height = 'auto'; }); } function getMaxHeight(cardsList) { return Math.max.apply(null, $(cardsList).map(function () { return $(this).outerHeight(); }).get()); } function setSameHeightForElements(cardsList) { applyHeightAuto(cardsList); var maxHeight = getMaxHeight(cardsList); cardsList.forEach(function (card) { card.style.height = maxHeight + 'px'; }); } function windowResizeHandler() { compareWidgetAlignment(); } function showRatingTooltip() { var device_type = getDeviceTypeInNumber(window.deviceType); if (device_type === 1) { $('.card-rating').on('mouseenter', function () { $(this).find('.card-rating-tooltip').addClass('show'); }); $('.card-rating').on('mouseleave', function () { $(this).find('.card-rating-tooltip').removeClass('show'); }); } else { if (!window.tooltipMobileEvent) { window.tooltipMobileEvent = true; $('body').on('click', function (e) { var ratingComponent = $(e.target).closest(".card-rating"); var ratingTooltip = ratingComponent.find('.card-rating-tooltip'); if (ratingComponent.length >0 && !ratingTooltip.hasClass('show')) { ratingTooltip.toggleClass('show'); } else if ($('.card-rating-tooltip').hasClass('show')) { $('.card-rating-tooltip').removeClass('show'); } }); } } } }); If you are considering the Chase Sapphire Preferred Card or the The Platinum Card from American Express (Terms apply. The overlap between groups has ______ in americas residential neighborhoods and workplaces. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. David is a Senior Transportation Reporter for Business Insider. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Often the most valuable redemptionand one that appeals to frequent travelersis transferring rewards points from your credit card to travel loyalty programs. read about my favorite perks of the Amex Platinum Card. The $50 annual credit against hotel purchases made through Chase Travel offsets about half the $95 annual fee. When hes not dissecting credit card products, Juan is maximizing his points and miles for premium travel with his family. 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. Sections. Winner: Tie Best benefits and perks The winner: Amex Gold Card While both cards offer the chance to earn 60,000 points after spending $4,000 in the early months of having each card, the American Express Gold Card gives you six months to reach this milestone, whereas the Chase Sapphire Preferred only gives you three months. View the current offers here. Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee. Although they both have high annual fees, they each. That means that at the end of your first year, you'll have gotten back the entire fee, plus an extra $50. Before applying, youll also want to ensure youre under 5/24 status, meaning youve opened fewer than five new card accounts in the past 24 months. Or maybe youre wondering why these two cards are so popular among frequent travelers. Long after your bonus has been earned and spent, youll want a card that will help you rack up valuable transferable points quickly. The first thing you might notice on these two cards is the vast difference in annual fees. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or Basically, treat your credit card like a debit card. Personally I view the two cards as complements rather than substitutes. * (Underwritten by New Hampshire Insurance Company, an AIG Company). On quick thought, that makes sense. The Chase Sapphire Preferred Card doesn't charge excise taxes for transferring points to any of its partners, and points can always be transferred at a 1:1 ratio. However, not everyone uses a ride-sharing service or places an Uber Eats order in the U.S. once a month, which means the 10 points per dollar spent on Lyft rides with the Sapphire Reserve might be a more valuable option. We'll run a soft credit check to find special offers, but it wont affect your credit score. Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. Terms apply to the offers listed on this page. Commissions do not affect our editors' opinions or evaluations. This site does not include all credit card companies or all available credit card offers. Many of these cards offer solid value, especially if youre loyal to the underlying brand. Two of the most popular of these cards areThe Platinum Card from American ExpressandChase Sapphire Reserve Card, and I know a lot of people struggle to decide which card is a better fit. 50,000 Miles 90,000 Miles! Up to $189 annual Clear membership statement credit. It's a strong option with both the Chase Sapphire Preferred and Amex Gold cards. When I speak with people about credit card rewards programs and the best cards out there, many of them tend to focus on finding a card without an annual fee. We highlight products and services you might find interesting. Plus, your own feed of TPG content. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but its also much less restrictive. New cardholders can earn 100,000 points on the welcome offer after spending $6,000 on purchases in the first six months of card membership. Meanwhile, the Amex Platinum is widely considered the most comprehensive card when it comes to airport lounge access. Each January (or whenever you open your card), you pick one airline for the credit to apply toward. Eligibility and Benefit level varies by Card. On the airline side of things, popular redemption options include United MileagePlus, Southwest Rapid Rewards, British Airways Avios, Virgin Atlantic Flying Club and Flying Blue (Air France-KLM) though the last three also partner with Amex Membership Rewards. The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. Terms apply to offers listed on this page. 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. Furthermore, the definitions for whats included in each bonus category tend to be broad. If you don't buy insurance, you'll still be covered during a delay, and you'll be covered for potentially hundreds of dollars. The USDA National Hunger Hotline has information available in both English and Spanish. Meanwhile, the Chase Sapphire Reserve offers a sign-up bonus of 60,000 bonus points after you spend $4,000 in the first three months from account opening. The catch is that not everyone is going to use all of those credits. Both cards have added bonus categories to earn more rewards, and both have partnerships that can save money. This site does not include all credit card companies or all available credit card offers. Download the free TPG App to start spending like a pro. Plus, your own feed of TPG content. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. Since Amex only allows you to earn a welcome offer on each of its cards once per lifetime, it might be tempting to hold off on applying for the Amex Platinum in hopes that you may be targeted through CardMatch for a higher bonus at some point in the future. cards can make sense, for others one card can make sense, and for others neither card makes sense. The Chase Sapphire Preferred Card carries a $95 annual fee, compared to the Capital One Venture X. Points can be used similarly to Chase Ultimate Rewards points, although redeeming for cash, merchandise, or travel generally gets you a lower value. We frequently receive products free of charge from manufacturers to test. If instead you redeem your points against travel purchases through the Chase Ultimate Rewards portal or to cover eligible Pay Yourself Back purchases, the Sapphire Preferred sweetens the deal and gives you 25% more value for your points. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. And cruises through Chase, which works just like any other online travel agency a few months is. 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having both amex platinum and chase sapphire preferred