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The Platinum Card from American Express vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | The Platinum Card from American ExpressAmerican Express | Chase Sapphire PreferredChase |
|---|---|---|
| Rating | 4.8/5 | 4.8/5 |
| Annual Fee | $895 | $95 |
| APR | N/A (Pay Over Time: 19.49% - 28.49%) | 19.24% - 27.49% |
| Signup Bonus | As high as 175,000 points after spending $12,000 in 6 months (offer varies by applicant) | 75,000 points after spending $5,000 in 3 months |
| Rewards Rate | 5X on flights and prepaid hotels via Amex Travel, 1X on everything else | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else |
| Credit Score | excellent | good |
| Pros | Centurion Lounges + Priority Pass + Delta Sky Clubs (10 visits/yr) Over $2,000 in annual credits (hotel, airline, Uber, Saks, Resy, CLEAR) 5X on flights and prepaid hotels via Amex Travel | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees |
| Cons | $895 annual fee is steep without maximizing credits 1X on most non-travel spending Charge card — balance must be paid in full (Pay Over Time available) | $95 annual fee No airport lounge access Limited premium perks vs. Reserve |
| View Details → | View Details → |
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Verdict
Our Pick: The Platinum Card from American Express
Both cards tie at 4.8/5, but At $895/yr, the value proposition is strong. The Amex Platinum is the ultimate luxury travel card. With unmatched lounge access, 5X on flights and hotels, and over $2,000 in annual credits, it rewards frequent travelers who can put its perks to work.