If you would like to ask us a question, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com. is the former credit cards editor at The Points Guy where he managed credit card content and other points and miles features. This gives you an absolute minimum redemption value of 1.5 cents per point, meaning you can book a seat on any flight thats for sale, even if there isnt award space available. Unfortunately, covering past charges yields just 0.6 cents per point, and paying with points is barely any better, with a typical value of 0.7 cents per point. fees? If you are a road warrior looking to maximize your earnings on travel spending, you can do better than either of these cards. A Priority Pass membership. sippican nursing home / example of a petition to the court / chase sapphire vs amex platinum two-step verification gmail garmin vivoactive 3 gps not working chase sapphire vs amex platinum 1 Enter the authorized user's detail s: After clicking on the 'add authorized user' tab, you will be . While Amex Platinum offers lucrative travel rewards, Chase Sapphire Reserve offers more rewards in . With its $695 annual fee (see rates and fees), the Amex Platinum is currently offering new applicants 80,000 Membership Rewards points after they spend $6,000 on purchases in the first six months of cardmembership. Sections. Cost includes $12.95 plus applicable local sales tax. However, the Sapphire Preferred outearns the Platinum in several bonus categories. Here are the best cards for making your trip more comfortable. That covers things like hotel accommodations, meals, toiletries, and a change of clothing really, anything that can be considered a "reasonable" expense. Some locations also feature shower suites, spas, or relaxation areas. That means the 60,000 points earned from the sign-up. Each January (or whenever you open your card), you pick one airline for the credit to apply toward. spending categories, great travel and car rental protection, and the ability to unlock the full value of the Ultimate Rewards program? Black-owned Businesses. David is a Senior Transportation Reporter for Business Insider. The best option is transferring to an airline. Just decline the collision/damage/loss coverage offered by the rental agency. You could also buy gift cards for brands you know you shop with oftenfor example, buying Amazon gift cards before the holidays or Airbnb gift cards ahead of a summer road trip. $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Please visit americanexpress.com/benefitsguide for more details. Let me break down why these cards serve such different purposes. Weve got your back. A bunch of annual credits a $300 annual Equinox credit (enrollment required), a $240 annual digital entertainment credit (enrollment required), a $200 annual hotel credit, a $200 annual airline fee credit (enrollment required), a $200 annual Uber credit (enrollment required), a $189 annual CLEAR credit, and a $100 annual Saks credit, The most comprehensive airport lounge access offered by any credit card, including access to Amex Centurion Lounges, Delta SkyClubs, a Priority Pass membership (enrollment required), and more, 5x points on airfare purchased directly from airlines (on up to $500,000 in While the credit doesn't cover tickets, it covers incidental fees like checked bags, seat assignments on basic economy tickets, change fees, and more. Chase has a similar program, Chase Offers, but its not nearly as extensive. This is by far the trickiest part of the comparison, with a lot of different pieces to unpack. Customize Reject All Accept All Customize Consent Preferences Amex has partially closed the gap, adding a new suite of travel protection benefits to the Amex Platinum card (see here for more). Subscribe. 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. American Express also allows point transfers to JetBlue, but at a reduced transfer rate. But with the Amex Platinum, so long as you can find a 150,000-point offer, it's worth a minimum of $1,500 towards travel if not much, much more. Although they both have high annual fees, they each. In some cases, we receive a commission from our partners; however, our opinions are our own. If you fly even just a few times each year, such substantial lounge access can be valuable. The annual fee is $99. 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. Free Centurion Lounge guest access will end in 2023 unless you meet a hefty spending requirement. 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. Are you sure you want to rest your choices? Youll earn 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on all other purchases. There are also 11 American Express lounges in international airports. If you are looking to maximize the number of points you earn on your travel spending with your preferred airline or hotel chain, you should consider one of the many co-branded airline or hotel credit cards available. This site does not include all credit card companies or all available credit card offers. 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. While they are both excellent travel . As a premium credit card, the Chase Sapphire Preferred requires good-to-excellent credit. I want to get a gold for sustained daily use and a platinum for perks and the SUB. Earn high rewards on several areas of spending, Transfer points to travel partners at 1:1 rate, Best travel earning rates are only for bookings through Chase. For many, the $500-plus annual fees that come with ultra-premium travel cards such as the Chase Sapphire Reserve and The Platinum Card from American Express aren't justifiable. Read our guide on the best ways to use Chase Ultimate Rewards points . Uber Cash and Uber VIP status is available to Basic Card Member only. Your financial situation is unique and the products and services we review may not be right for your circumstances. Amex Offers frequently include discounts and rebates of 20% or more on popular national vendors from Sams Club to hotel chains and cruises. This post contains references to products from one or more of our advertisers. Eligibility and Benefit level varies by Card. For some people both An up to $100 Global Entry, NEXUS, or TSA PreCheck fee credit every four years. Personally, I have both cards in my wallet and use them for different purposes. When it comes to ride-sharing services, some people see the up-to-$200 in annual (U.S.) Uber Cash (broken into $15 a month, with a $20 bonus in December) that comes with the Amex Platinum card as a cash-like credit. Get our daily email for the latest in travel, flight deals, and how . That means that Amex points are slightly more valuable than Chase points. Compare the cost in points or miles to cash, and see which option is best. For starters, both cards feature airport lounge access and additional travel and food delivery credits, among other benefits. In this area, the Chase Sapphire Preferred Card shines. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. 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. 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. 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. The Amex Platinums annual fee is for me more than covered by the credits. 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? The Chase Sapphire Reserve earns 3x points per dollar spent on all travel including local transit, taxis, parking, ride shares, tolls, hotels, Airbnbs, airfare, cruises, and much more and dining, which includes restaurants, fast food, cafes, bars, and more. Complimentary DoorDash DashPass membership through Dec. 31, 2024, plus a $5 monthly credit. Terms, Conditions and Limitations Apply. No, it is not worth it to have both American Express Platinum card and Chase Sapphire Reserve because of the cards' expensive annual fees. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. The following links will direct you to the rates and fees for mentioned American Express Cards. 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. Enjoy access to more than 1,400 airport lounges worldwide through the Global Lounge Collection. We welcome your feedback. Please visit americanexpress.com/benefitsguide for more details. 10% anniversary point bonus on all your yearly spending. You might be using an unsupported or outdated browser. Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plus more. Enrollment required. Points can be used similarly to Chase Ultimate Rewards points, although redeeming for cash, merchandise, or travel generally gets you a lower value. This card shines for this use, but overall the star ratings may differ when compared to other cards. This is the best points offer ever for this card! 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. Please visit americanexpress.com/benefitsguide for more details. While you'll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. Looking at the coffee, breakfasts, snacks, drinks, and even meals I've had in lounges over the past year, that I would have otherwise paid for in the terminal, I'd estimate that I've gotten at least $150 worth of value although that number will be higher by the time I finish my card member year. 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 cards coverages include trip cancellation and interruption insurance, trip delay insurance and lost and delayed baggage insurance. Commissions do not affect our editors opinions or evaluations. Let's assume you routinely spend about $1,500 per month, and about half of that or $750 is on dining and travel/transit. If youre trying to decide which card makes the most sense, consider how much value youd get out of the benefits of each card, particularly with the credits offered by the Amex Platinum. The former built the market for premium rewards cards decades ago, while the latter is responsible for growing its mass appeal. Furthermore, I earn lots of bonus points and get great travel protection with the card. Points are worth 0.6 cents each when used to cover past charges. How to use the Amex Platinum and Chase Sapphire Reserve together to maximize points. We'd love to hear from you, please enter your comments. Up to $189 annual Clear membership statement credit. Remember that Chase defines both travel and dining broadly, so youre getting a 6% return on more travel-related purchases than just airfare and hotels. But who wants to pay $1,245 in annual Does it make sense to have Amex Gold and Chase Sapphire Reserve? Forbes Advisor created additional star ratings so that you can see the best card for specific needs. fees? (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 . Related: The best travel credit cards of 2023. So, what do you get in exchange for that upfront cost? Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. 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. * That's $750 toward travel when redeemed through Chase Ultimate Rewards . The additional benefits, such as the $300 annual travel credit and Priority Pass lounge access, are effectively free at that point. Theres a minimum earning rate of 1 point per dollar spent. Another major cruise line hikes drinks package costs sharply but there's a twist, Get more from your points with these transfer bonuses. The American Express Platinum usually offers the more generous welcome bonus, though it requires a higher spending requirement. Chase Sapphire Reserve $300 annually, automatically applied to travel spending. To me, the Amex Platinum is all about the lounge access and credits, while the Chase Sapphire Reserve is 3x points on dining and travel. Please check out our advertiser policy for further details about our partners, and thanks for your support! Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. The Chase Sapphire Reserve's annual fee is slightly lower at $550. Underwritten by AMEX Assurance Company. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Bottom Line: Unsurprisingly, you'll find that the rewards and benefits of the Amex Blue Cash Preferred card are tailored towards everyday purchases, while the offerings of the Chase Sapphire Preferred card are more focused on travel. Both cards have similar travel benefits. product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Eligibility and Benefit level varies by Card. 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. Navigate to 'Account Services.': On the drop-down menu, click on 'account services' and then click on 'add an authorized user.'. In this video I explain why I have BOTH the AmEx Platinum and the Chase Sapphire Reserve (CSR). Finally, you can transfer points to Chase's airline and hotel partners' loyalty programs transferring points is generally the most valuable wayto use them. Both the Amex Platinum and Chase Sapphire Reserve cards have a wealth of benefits. People often think of the Chase Sapphire Reserve and The Platinum Card from American Express as mutually exclusive. Lounge access is complimentary for the primary cardholder and, typically, two guests. You can purchase syndication rights to this story here. 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. Best Overall: Chase Sapphire Preferred Card. This does not drive our decision as to whether or not a product is featured or recommended. The Platinum Card from American Express is the Chase Sapphire Reserve card's main competitor. page for a list of current offers. 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). Nowadays premium credit cards are more popular than ever before. Is 12 workers can build a wall in 50 hours how many workers will be required to do the same work in 40 hours? For help you can call 866-3-HUNGRY (866-348-6479) or 877-8-HAMBRE (877-842-6273). Thats significantly lower than the Amex Platinum offer, though the spending requirement to earn the bonus is also lower. Ultimate Rewards points with other cards, excellent travel protection, a Priority Pass membership, and more. This is $1000 per month of required spending. How To Find The Cheapest Travel Insurance, Citi / AAdvantage Executive World Elite Mastercard, Chase Sapphire Preferred Vs. Capital One Venture, Chase Freedom Unlimited Vs. Chase Slate Edge, 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership, 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on all other purchases, 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. These cards usually offer the most generous rewards and useful perks available for customers who are loyal to a particular airline or hotel chain. Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Points are worth 1.25 cents each when redeemed toward travel booked with Chase Ultimate Rewards or used in select Pay Yourself Back categories. 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. 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. Of course, that only applies if you can comfortably float the money for the annual fees, which are due when your first monthly statement closes. Earn 60,000 points after you spend $4,000 on purchases in the first 3 months. Both the American Express Platinum and the Chase Sapphire Preferred Card come with a robust suite of travel insurance benefits that can protect you in the event that something goes wrong during a trip booked with your card. United rolls out free fleetwide Wi-Fi for select flyers. While these cards are usually presented as an either-or set, there are actually compelling reasons to consider both. Is that even a thing? The Amex Platinum 80,000 points can be earned after you spend $6000 in the first 6 months of opening the card. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Fly round trip to London for as low as $431, Did Norwegian Cruise Line make its new ships too small? Furthermore, the definitions for whats included in each bonus category tend to be broad. Performance information may have changed since the time of publication. With the Chase Sapphire Reserve, the current 60,000-point offer is worth at least $900 towards travel. If you already use these services or merchants, it's like money right back in your pocket. 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. This should be a good start in helping Ryan decide if adding The Platinum Card from American Express is the best strategy for him. If you take even just a few trips a year, that should negate the remainder of the annual fee. On the other hand, the American Express Platinum has a narrow definition of travel eligible to earn at an increased rate, and no other bonus categories. Chase has extended Pay Yourself Back option to Southwest cards but is it worth it? Ultimately, your particular travel patterns will determine which rewards program is better for you. 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