Platinum vs Sapphire Reserve
Platinum
$895/yr
7.0/10
VS
Sapphire Reserve
$795/yr
7.0/10
Quick Answer
Platinum charges $895/yr with 1X base rewards. Sapphire Reserve charges $795/yr with 1X base rewards. Sapphire Reserve offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Sapphire Reserve
Lower annual fee ($895 vs $795)
Rewards Earning
Sapphire Reserve
5 earning categories
Benefits & Protection
Sapphire Reserve
12 benefits vs 9
Statement Credits
Sapphire Reserve
$2348 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Sapphire Reserve wins for most people
The $100 fee difference is hard to justify unless you maximize premium benefits.
Apply for Sapphire ReservePREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Sapphire Reserve
| Chase Travel purchases including The Edit | 8.0X |
| Flights booked directly with airlines | 4.0X |
| Hotels booked directly | 4.0X |
| Dining worldwide | 3.0X |
| All other purchases | 1.0X |
Card Benefits: Detailed Comparison
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status
Sapphire Reserve (12 benefits)
- Emergency Medical and Dental (up to $2,500)
- Lost Luggage Reimbursement (up to $3,000)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Primary Auto Rental Coverage (up to $75,000)
- Purchase Protection (up to $10,000)
- Extended Warranty Protection
- Emergency Evacuation/Transportation (up to $100,000)
- Priority Pass Select + Chase Sapphire Lounges (up to $469)
- Global Entry/TSA PreCheck/NEXUS Credit (up to $120)
- IHG One Rewards Platinum Elite Status