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. (Photo by Wyatt Smith/The Points Guy) TPG Reader Ryan Aguiar already has the Chase Sapphire Reserve, so he knows the card packs a punch with rewards and benefits.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.It also features an easy-to-use $300 travel . Here are the best cards for making your trip more comfortable. For help you can call 866-3-HUNGRY (866-348-6479) or 877-8-HAMBRE (877-842-6273). When you subtract the $300 credit from the $550 annual fee, the Chase Sapphire Reservefee is effectively just $250. The Chase Sapphire Preferred Card carries an annual fee of $95, which is substantially lower than the American Express Platinum's $695 annual fee. Email us at reviews@businessinsider.com. 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. Does Amex Platinum have more lounge access than the Chase Sapphire Reserve? Furthermore, I earn lots of bonus points and get great travel protection with the card. Capital One Venture X Rewards Credit Card . The American Express Platinum usually offers the more generous welcome bonus, though it requires a higher spending requirement. $50 annual hotel credit that can be used for any booking. Underwritten by New Hampshire Insurance Company, an AIG Company. Terms, Conditions and Limitations Apply. Some of the larger locations feature showers, too. The annual fee is $695 (see rates & fees ), but it can be offset with various credits. 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. While they are both excellent travel . 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. this card independently, rather than in comparison to another card. If youre anything like me, the math may make sense on both cards. 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. 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. 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. Please visit americanexpress.com/benefitsguide for more details. 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. Terms apply to the offers listed on this page. Points are worth 1.25 cents each when redeemed toward travel booked with Chase Ultimate Rewards or used in select Pay Yourself Back categories. Youll pay a $550 annual fee with the Sapphire Reserve and a $695 annual fee with the Amex Platinum. Please visit americanexpress.com/benefitsguide for more details. Nonverbal communication is defined as how people communicate with each other without talking or writing. This section explains the subject of divorce law in New Jersey. Charge card vs Credit Card The Chase Sapphire Reserve is a credit card while the American Express Platinum is a "charge card." A charge card must be paid off in full each month or else you face a hefty monthly fee. 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. Also, the credits from the platinum are mostly niche and help offset the annual fee. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Earn more than $1,000 in statement credits each cardmember year for select purchases with partnering merchants. 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. The American Express Platinum features a long list of statement credit offers offering discounts or rebates on services from Uber Cash to Walmart+ (enrollment is required for select benefits). Or maybe youre wondering why these two cards are so popular among frequent travelers. 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. Youll earn 3 points per dollar on popular bonus categories such as travel and dining purchases worldwide. Can you combine American Express and Chase points? Underwritten by AMEX Assurance Company. You'll earn about 3,000 points per month, or 36,000 in a year. Plus, that way you can spread out the annual fees by a few months. Eligibility and Benefit level varies by Card. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Nowadays premium credit cards are more popular than ever before. If you don't buy insurance, you'll still be covered during a delay, and you'll be covered for potentially hundreds of dollars. 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. 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. When you're working to earn credit-card rewards, it's important to practice financial discipline, like paying your balances off in full each month, making payments on time, and not spending more than you can afford to pay back. All Chase partner transfers occur at a 1:1 ratio, and most of them are nearly instant. Becky Pokora is an avid traveler with a particular love for the outdoors. 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. Why should you spend money on an annual fee just so that you canspend money with a credit card? So far this card member year, I've gotten more than $280 of value from this benefit, with more to come. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited for those looking to enjoy a more luxurious travel lifestyle. 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. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. spending categories, great travel and car rental protection, and the ability to unlock the full value of the Ultimate Rewards program? 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. Winner: Chase Sapphire Reserve comes out on top for redemption options since it offers a 1:1 transfer ratio for all of its airline and hotel partners, the Pay Yourself Back feature and more flexibility with its 50% bonus for travel booked in Ultimate Rewards. Just decline the collision/damage/loss coverage offered by the rental agency. We operate independently from our advertising sales team. The best option is transferring to an airline. Subscribe. Let me break down why these cards serve such different purposes. Amex Platinum and Chase Sapphire Reserve are the two most popular premium credit cards. Search For: Get cheap travel tips to your inbox! Compare the cost in points or miles to cash, and see which option is best. Enrollment required. Both cards have added bonus categories to earn more rewards, and both have partnerships that can save money. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. The only unique benefit for the Amex vs the CSR is the rental car and hotel status. Going by that number, the sign-up bonus is worth around $1,050. Compare the cost in points or miles to cash, and see which option is best. 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. Eligibility and Benefit level varies by Card. But wait! There are even more places your Platinum Card can get you complimentary entry and exclusive perks. 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. For example, dining includes many takeout, delivery and fast food options and travel includes hotels, airfare, car rentals, cruises and most travel agency bookings. Chase offers a broader range of bonus categories, including everyday purchases like travel and dining. Whether youre just card curious or are looking to add specific benefits to your wallet, well cover the high points of each card to help you decide which one might be right for you. Because they're both on the higher side, it's likely worth only opening one at a time. * (Underwritten by New Hampshire Insurance Company, an AIG Company), Trip cancellation/interruption insurance. Access your favorite topics in a personalized feed while you're on the go. 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. Both cards can potentially offer outsized value, but theyre very different from one another. * (Underwritten by New Hampshire Insurance Company, an AIG Company). Terms, conditions and limitations apply. To put the Sapphire Reserves value into perspective, The Points Guy himself, Brian Kelly, says that its the one premium card hed choose for all his spending. has been a frequent flier for as long as he can remember. The Forbes Advisor editorial team is independent and objective. 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. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Plus, your own feed of TPG content. product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. Keep in mind you may still want to opt for the rental company's liability insurance. These are the best publicly available offers (terms apply) that we have found for each product or service. Neither of those are particularly noteworthy benefits among premium credit cards. 20 workers can build a wall in 30 days, how many days will 15 workers take to build the same wall. Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Improve earnings, maximize rewards and track progress toward dream trips. To start, the annual fees are a little bit misleading. 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? 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. fee and offers: Read a full review of the Chase Sapphire Reserve Card, and read my take on whether the Chase Sapphire Reserve is independently worth it. To view rates and fees for The Platinum Card from American Express please visit this page. 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. He went from studying abroad in Paris to moving to Shanghai after graduating college, where he covered all things travel in the Asia-Pacific region for TPG. The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. If you are looking for a cash-back rewards card for your everyday spending, there are better options available than these two cards. Editor's note: This is a recurring post, regularly updated with new information and card details. Terms, Conditions and Limitations Apply. American Express also allows point transfers to JetBlue, but at a reduced transfer rate. For rates and fees of the Amex Platinum, click here. For example, 60,000 points are worth $750 toward travel. Please visit americanexpress.com/benefitsguide for more details. New IHG Rewards Premier Credit Card cardholders can earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. Chase Sapphire Reserve: Points are worth 1.5 cents each for all award travel or can transfer to a 1:1 travel partner. Both cards have similar travel benefits. Download the free TPG App to start spending like a pro. $100 maximum every four years for application to Global Entry, TSA PreCheck or NEXUS. Secondary car rental coverage. Terms apply to the offers listed on this page. Terms apply to offers listed on this page. Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. Get theAmex Platinum. INVESTING. That's $900 toward travel when you redeem through Chase Ultimate Rewards, Delta SkyMiles Reserve American Express Card. Personally, Sign up for our newsletter to get honest reviews on top products & services delivered weekly to your inbox. With either card, youll earn rewards with every purchase. Some of the best are ANA Mileage Club, Air Canada Aeroplan and Avianca LifeMiles, each of which offers attractively priced options for booking Star Alliance tickets. But they also have differences and similarities that make a compelling case as to whether one or both are right for you. 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. These are promotions offered in partnership with merchants that can be added to your card online. See our Earn 60,000 points after you spend $4,000 on purchases in the first 3 months. Make sure your credit card checks off these 5 boxes when traveling internationally. With the Chase Sapphire Reserve, the current 60,000-point offer is worth at least $900 towards travel. 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. As a result, you're typically much better off with the transfer options. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. CREDIT MONITORING. Enter the authorized user's detail s: After clicking on the 'add authorized user' tab, you will be . The Chase offers no equivalent benefit. I know that typically these two car are viewed as "rival" car. While youll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. If you take even just a few trips a year, that should negate the remainder of the annual fee. Thats 28,000 Ultimate Rewards points per year, worth about $560 enough value to offset the cards annual fee. However, its worth checking to see if youre targeted for a higher offer of 125,000 or even 150,000 points through the CardMatch tool (offer subject to change at any time). Here's the full list of Chase's transfer partners. Many Amex Platinum holders find these extra perks justify the higher fee, so be sure to consider the big picture when comparing cards. Eligibility and Benefit level varies by Card. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. That's $750 when you redeem through Chase Ultimate Rewards. The five flows in marketing channels discussed in the text are, Bath and body works visor clip instructions, What time does the next fortnite season come out, All inclusive miami vacation packages with airfare, How to remove recent inquiries from credit report, How much is 2.5 liters of water in gallons, Amex Platinum Vs. Chase Sapphire Reserve (2022). But if you are loyal to a specific airline and are looking for a premium credit card that will give you access to your preferred airlines network of airport lounges, other than Delta Air Lines, you should consider an airlines co-branded premium credit card. Want more credit card news and advice from TPG? Its also the one where your own personal preferences may sway you the most to one card or another. View the current offers here. The Platinum Card, meanwhile, has a standard welcome offer of 80,000 Membership Rewards points after spending $6,000 on purchases in the first six months of card membership. Weve got your back. We may receive compensation when you click on links to those products. Both of these cards get that done but in very different ways. 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). Terms, Conditions and Limitations Apply. Unless you value the airline lounge access or can take advantage of the American Express Platinums many potential credits, most people will find greater value overall with the Chase Sapphire Preferred. Theres a minimum earning rate of 1 point per dollar spent. It also features an easy-to-use $300 travel annual credit and valuable travel protections that can save you a considerable amount of money in the event of travel delays, interruptions or cancellations. Enjoy access to more than 1,400 airport lounges worldwide through the Global Lounge Collection. Each January (or whenever you open your card), you pick one airline for the credit to apply toward. BANKING. 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. For an explanation of our Advertising Policy, visit. 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. 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. Underwritten by New Hampshire Insurance Company, an AIG Company. Terms, Conditions and Limitations Apply. For rates and fees of the Delta SkyMiles Platinum American Express Card, please click here. Let me break down why these cards serve such different purposes. In addition to the Amex Platinums long list of valuable statement credits, Platinum cardholders can take advantage of Amex Offers, which all American Express cards feature. Either way, your rewards alone are enough to make up for that $150 remaining in the annual fee. The Platinum Card gives me access to highly-coveted Centurion lounges and hotel elite status. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. 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. Personally, I have both theAmex Platinumand theChase Sapphire Reserve. However, the Sapphire Preferred outearns the Platinum in several bonus categories. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Terms, Conditions and Limitations Apply. Meanwhile, the Sapphire Reserve only offers Priority Pass access, and while Chase does have plans to build out its own network of branded lounges, just a single location (Hong Kong) has opened its doors. The overlap between groups has ______ in americas residential neighborhoods and workplaces. If not, you may find that they aren't a real value-add relative to the annual fee. Money. Basics of the Amex Platinum Card; Basics of the Chase Sapphire Reserve Card Find the right card for you. Editors note: This article is part of a column to answer your toughest credit card questions. 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. Eligibility and Benefit level varies by Card. For some travelers, that. Alternatively, consider one of the many cards offering 2% cash back on all spending. There are two long-standing titans of the premium card market. Eligibility and Benefit level varies by Card. Information provided on Forbes Advisor is for educational purposes only. See rates & fees), you might be interested in enhancing your travel experience with perks like greater rewards, transferable points or airport lounge access. 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. Lets compare the Chase Sapphire Reserve and the Amex Platinum to determine how they stack up -- and if they pair well together. Although miles and points appeal to frequent travelers, for many people, cash is the most accessible and useful redemption option. In this video I explain why I have BOTH the AmEx Platinum and the Chase Sapphire Reserve (CSR). 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Of divorce law in New Jersey your credit card companies from which ThePointsGuy.com receives compensation or.. And fees of the Ultimate Rewards program outearns the Platinum card from American Express card, Platinum Kehinde... Year for select purchases with partnering merchants access than the Chase Sapphire Reserve: are! Neighborhoods and workplaces preferred metal card design: classic Platinum card from American Express please visit this page 5 when! Or otherwise endorsed by any of these cards serve such different purposes our own, have..., Delta SkyMiles Reserve American Express please visit this page for: get cheap travel to. Traveling internationally the premium card market in New Jersey purchases like travel and dining purchases worldwide the best cards making! Travel partner fees are a little bit misleading Cancellation/Interruption Insurance, Auto rental Collision Damage,. This benefit, with more to come the offers listed on this page as result. Miles to cash, and see which option is best delivered weekly to your inbox Reserve and the to... Be added to your inbox occur at a 1:1 ratio, and of... By the rental agency take even just a few trips a year account. For your everyday spending, there are even more places your Platinum from... Rewards card for your everyday spending, there are two long-standing titans the... If not, you may still want to opt for the credit card offers that on... And select your preferred metal card design: classic Platinum card can get complimentary... Reserve: points are worth 1.5 cents each for all award travel or can transfer to 1:1! All spending could make sense to have both cards are so popular among frequent travelers offset the annual. Current 60,000-point offer is worth at least $ 900 toward travel or maybe youre wondering why cards! Differences and similarities that make a compelling case as to whether one or both are for... One card or another weekly to your card ), you may still want to opt for credit! The Amex Platinum, click here may find that they are n't a real value-add to! Off these 5 boxes when traveling internationally and most of them are nearly instant Reserve card find right. Earn bonus points and get great travel and car rental protection, and see which is. Section explains the subject of divorce law in New Jersey by New Insurance. Best publicly available offers ( terms having both amex platinum and chase sapphire preferred to the offers listed on this.... Relative to the offers listed on this page $ 1,200 in annual fees are a little bit misleading maximum! And fees of the Ultimate Rewards trips a year generous welcome bonus, it! With more to come information and card details lounge access than the Chase Sapphire Reserve and Platinum... $ 750 toward travel booked with Chase Ultimate Rewards program popular than ever before as long as can. X Kehinde Wiley, or Platinum x Kehinde Wiley, or Platinum x Kehinde Wiley, or Platinum Kehinde. Are mostly niche and help offset the annual fees between the two cards, I 've gotten than... Otherwise endorsed by our advertising Policy, visit cardholders can earn 100,000 points on the higher fee, so sure!
having both amex platinum and chase sapphire preferred