Chase Sapphire Reserve vs The Platinum Card from American Express
Side by side, with every fee, rate and offer as the issuer publishes it.
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| Card |  Chase Chase Sapphire Reserve |
 American Express The Platinum Card from American Express |
|---|---|---|
| Annual fee | $795/yr | $895/yr |
| Rewards | 8x Chase Travel, 4x flights/hotels direct, 3x dining, 1x else; $300 travel credit | 5x flights booked direct (up to $500,000/yr), 1x else; 5x flights & prepaid hotels via Amex Travel; large set of travel & lifestyle credits |
| Welcome offer | 100,000 points after $6,000 spend in 3 months | None listed |
| Intro APR | None listed | None listed |
| Regular APR | 19.74%–28.24% variable | Charge card (pay in full); Pay Over Time 19.74% to 28.74% variable APR |
| Credit usually needed | Excellent | Excellent |
| Network | Visa | American Express |
| Card type | Travel | Travel |
| Links | Apply More info | Apply More info |
Key differences
- Chase Sapphire Reserve has the lower annual fee: $795 vs $895 for The Platinum Card from American Express.
- Chase Sapphire Reserve runs on Visa; The Platinum Card from American Express runs on American Express.
Where each card fits
Terms checked on Oct. 26, 2026 on the issuer's own site. Rates and offers change; the issuer's page has the final terms.
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