Amex Platinum vs Chase Sapphire Reserve
American Express Platinum Card earns more on airfare; Chase Sapphire Reserve earns more on hotels and dining.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
American Express Platinum Card
Most of your spending is on airfare.
-
Pick it if
Most of your spending is on hotels and dining.
American Express Platinum Card costs $100 more a year. On airfare it earns $1.50 more per $100, so it makes up the difference after about $6,700 a year of airfare.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | American Express Platinum Card | Chase Sapphire Reserve | Earns more |
|---|---|---|---|
| Dining | $1.50 1.5% | $4.50 4.5% | Chase Sapphire Reserve (+$3.00) |
| Groceries | $1.50 1.5% | $1.50 1.5% | Tie |
| Gas | $1.50 1.5% | $1.50 1.5% | Tie |
| Travel | $1.50 1.5% | $1.50 1.5% | Tie |
| Airfare | $7.50 7.5% | $6.00 6% | American Express Platinum Card (+$1.50) |
| Hotels | $1.50 1.5% | $6.00 6% | Chase Sapphire Reserve (+$4.50) |
| Transit | $1.50 1.5% | $1.50 1.5% | Tie |
| Streaming | $1.50 1.5% | $1.50 1.5% | Tie |
| Drugstores | $1.50 1.5% | $1.50 1.5% | Tie |
| Online shopping | $1.50 1.5% | $1.50 1.5% | Tie |
| Wholesale clubs | $1.50 1.5% | $1.50 1.5% | Tie |
| Everything else | $1.50 1.5% | $1.50 1.5% | Tie |
| Annual fee | $895 | $795 |