Both cards also offer a travel assistance service which can make medical and legal referrals, but the costs of services provided are the responsibility of the cardholder. Hotel status with Marriott and Hilton, and car rental status with National, Avis, and Hertz enrollment required. Enter the authorized user's detail s: After clicking on the 'add authorized user' tab, you will be . Terms apply to the offers listed on this page. The Amex Platinums annual fee is for me more than covered by the credits. To be honest, its hard to do a one size fits all number-crunching of the Either way, your rewards alone are enough to make up for that $150 remaining in the annual fee. Please visit americanexpress.com/benefitsguide for more details. 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. Weve got your back. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. 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. 1.25 cents per point for purchases at gas stations and grocery stores. 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. Toggle navigation dalagang bukid fish uric acid On the surface, 3 points per dollar on these categories is respectable. However, they offer slightly different value propositions. Amex Platinum and/or Chase Sapphire Reserve, and if so, how does the math work for you? You might be using an unsupported or outdated browser. Let me share my math, based on my own situation. With the Chase Sapphire Reserve, you can redeem points for travel through Chase's own travel portal at a rate of 1.5 cents per point. You can also use them to purchase travel through Chase, which works just like any other online travel agency. Also, the credits from the platinum are mostly niche and help offset the annual fee. Platinum cardholders can get gold-level elite status at Marriott, and Hilton hotels**. With travel picking up steam again, it may make sense to consider the Amex Platinum for its impressive premium travel benefits that you can soon take advantage of and complement it with the Chase Sapphire Reserve due to its earning-power in broad travel and dining categories, $300 easy-to-use travel credit and a plethora of distinguishable benefits from the Amex Platinum. * (Underwritten by New Hampshire Insurance Company, an AIG Company). (Rates & Fees) and offers a variety of valuable perks , including: Read a full review of the Amex Platinum Card, and For rates and fees of the Amex Platinum, click here. 60,000 Points Learn More Terms Apply. 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? She's always looking for new ways to make travel easier, more memorable, and more affordable, particularly by using miles and points. Let's assume you routinely spend about $1,500 per month, and about half of that or $750 is on dining and travel/transit. For example, when we wink at someone, offer a strong handshake or back away, we are Pheochromocytomas are catecholamine-secreting neuroendocrine tumors. Points transfer to participating partner programs, many at a 1:1 ratio. 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. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Traveling for spring break? product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. That's $750 when you redeem through Chase Ultimate Rewards. However, Amex offers transfer bonuses regularly, stretching your balance farther. If you would like to ask us a question, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com. Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). 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 Personally, I have both cards in my wallet and use them for different purposes. That makes the welcome offer worth around$1,140. Lets start with the Chase Sapphire Reserve. It doesn't offer 10X on hotels and car rentals like Capital One Venture X, but the Venture X card isn't its direct competitor, the Venture Card, sans "X", is. Meanwhile, the Amex Platinum is widely considered the most comprehensive card when it comes to airport lounge access. Youll pay a $550 annual fee with the Sapphire Reserve and a $695 annual fee with the Amex Platinum. 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. 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. Nonverbal communication is defined as how people communicate with each other without talking or writing. Learn more. Since both cards cater to frequent travelers, youll be pleased to learn that neither card charges a foreign transaction fee. Read our guide on the best ways to use Chase Ultimate Rewards points . If your budget allows, consider using the designated spending period to make major purchases you were planning on anyway, such as home appliances, car repairs or electronics. Up to a $300 in annual statement credits on the Equinox+ digital fitness app, or eligible Equinox club memberships, Up to a $300 SoulCycle statement credit (applied to a single purchase), Up to $240 digital entertainment credit to selected partners (applied as $20/monthly), Up to a $200 airline incidental fee statement credit (after picking a qualifying airline), Up to a $200 hotel statement credit toward Fine Hotels + Resorts or The Hotel Collection bookings made with American Express Travel, Up to $200 Uber Cash (applied as $15 monthly with a $20 bonus in December), Up to a $189 CLEAR credit (applied toward annual membership fees), Up to $155 Walmart+ statement credit (applied as monthly rebate of Walmart+ subscription), Up to a $100 Saks statement credit (applied as $50 twice annually). Uber Cash and Uber VIP status is available to Basic Card Member only. Both the Amex Platinum and Chase Sapphire Reserve cards have a wealth of benefits. 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 site does not include all credit card companies or all available credit card offers. Terms, Conditions and Limitations Apply. This is worth approximately $2,000 to $2,500 depending on your redemption method. Please visit americanexpress.com/benefitsguide for more details. If you don't buy insurance, you'll still be covered during a delay, and you'll be covered for potentially hundreds of dollars. Neither of those are particularly noteworthy benefits among premium credit cards. 252 Sharp Street, Cooma, NSW, 2630. binstak router bits speeds and feeds. Plus Ups are excluded. this card independently, rather than in comparison to another card. 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. Terms apply to the offers listed on this page. Its true the Amex Platinum offers Delta Sky Club access. The Chase Sapphire Reserve and The Platinum Card from American Express are two of the most popular premium rewards cards on the market. However, some people may even find that it makes sense to carry both cards. Chase Sapphire Preferred Card The Platinum Card from American Express Intro Offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards. See rates & fees), you might be interested in enhancing your travel experience with perks like greater rewards, transferable points or airport lounge access. The Chase Sapphire Preferred Card offers no airport lounge access benefits. Underwritten by AMEX Assurance Company. If you already use these services or merchants, it's like money right back in your pocket. 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. Download the free TPG App to start spending like a pro. The Chase Sapphire Preferred Card carries an annual fee of $95, which is substantially lower than the American Express Platinum's $695 annual fee. TPG values Membership Rewards points at 2 cents each, making the initial welcome offer of 80,000 points worth $1,600 alone. Terms, conditions and limitations apply. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but its also much less restrictive. Points transfer to participating partner programs at a 1:1 ratio. Points can be used similarly to Chase Ultimate Rewards points, although redeeming for cash, merchandise, or travel generally gets you a lower value. 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. Up to $200 annual Uber Cashfor eligible U.S. purchases ($15 each month, with a $20 bonus in December). Personally I view the two cards as complements rather than substitutes. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. This is just one scoring method and a credit card issuer may use another method when considering your application. Sometimes you can even be reimbursed for airline gift cards that you can apply toward tickets, even though this is an unpublished benefit do some Googling to see whether that works on your airline of choice. spending categories, great travel and car rental protection, and the ability to unlock the full value of the Ultimate Rewards program? 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. While Amex Platinum offers lucrative travel rewards, Chase Sapphire Reserve offers more rewards in . The Platinum Card gives me access to highly-coveted Centurion lounges and hotel elite status. United rolls out free fleetwide Wi-Fi for select flyers. Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee. Check here before booking an award fare. This is the best points offer ever for this card! Terms, Conditions and Limitations Apply. Learn More Terms Apply. Cost includes $12.95 plus applicable local sales tax. For some people both Plus, your own feed of TPG content. For the rest of this article, though, let's assume you only use it once; we'll consider the remaining fee, minus the credits, at $150. Find the right card for you. But wait! Some of the larger locations feature showers, too. 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. $50 annual hotel credit that can be used for any booking. We'd love to hear from you, please enter your comments. Please visit americanexpress.com/benefitsguide for more details. Please visit americanexpress.com/benefitsguide for more details. But who wants to pay $1,245 When you subtract the $300 credit from the $550 annual fee, the Chase Sapphire Reservefee is effectively just $250. Chase Sapphire Reserve: Points are worth 1.5 cents each for all award travel or can transfer to a 1:1 travel partner. On quick thought, that makes sense. Plus, enjoy premium rental car status with Avis, Hertz and National. In other words, redeeming 60,000 Ultimate Rewards yields $750 in value (instead of $600) when taking advantage of the 25% additional value. Like individuals, teams develop their skills, the more they use them. I get near full value out of the: Thats $879 worth of credits that Im more or less maximizing, Trip cancellation/interruption insurance. Earn 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months. Two of the most popular of these cards areThe Platinum Card from American ExpressandChase Sapphire Reserve Card, and I know a lot of people struggle to decide which card is a better fit. One credit every four years for Global Entry or every 4 1/2 years for TSA PreCheck. Please visit americanexpress.com/benefitsguide for more details. Sign up for our newsletter to get honest reviews on top products & services delivered weekly to your inbox. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or When considering a new card, especially one with a $500-plus annual fee, the first thing most people look at is the welcome offer to see how much of that annual fee they can start recouping immediately. Terms apply to offers listed on this page. Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. You'll earn about 3,000 points per month, or 36,000 in a year. The USDA National Hunger Hotline has information available in both English and Spanish. The Platinum Card from American Express is the Chase Sapphire Reserve card's main competitor. All Rights Reserved. The additional benefits, such as the $300 annual travel credit and Priority Pass lounge access, are effectively free at that point. Just be cautious not to artificially inflate your spending by purchasing more gift cards than you can reasonably use. A native New Yorker and avid photographer, David previously covered travel, credit-card rewards, and frequent-flyer programs. 3x points on dining and travel. He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK. Long after your bonus has been earned and spent, youll want a card that will help you rack up valuable transferable points quickly. Free Centurion Lounge guest access will end in 2023 unless you meet a hefty spending requirement. * That's $750 toward travel when redeemed through Chase Ultimate Rewards . Here's the full list of Chase's transfer partners. 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. 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. In Section 3.4, new literature is explored and the assessment of impacts and projected risks is updated for a large number of natural and human systems. Plus, your own feed of TPG content. (Rates & Fees). Try BYJUS free classes today!No worries! 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. Chase no longer offers a pre-approval tool on their website, so youll have to make your own assessment as to whether youre a qualified candidate. The. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Two of the most popular of these cards areThe Platinum Card from American ExpressandChase Sapphire Reserve Card, and I know a lot of people struggle to decide which card is a better fit.In The same holds true for Air Canada Aeroplan though if you also hold the Aeroplan Credit Card, you can actually enjoy a 10% bonus on certain transfers from Chase Ultimate Rewards to your Aeroplan account. This compensation comes from two main sources. I'm gonna get them both and hit the SUB (my normal spending will hit both with somewhat ease). Thats more than $4,000 in annual value on benefits alone, for when you get back to traveling again and maximizing all the cards features. The No, it is not worth it to have both American Express Platinum card and Chase Sapphire Reserve because of the cards' expensive annual fees. 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). (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 . This is true for cards with lower annual fees like the $95 Chase Sapphire Preferred Card, as long as you spend on it and for mid-priced cards like the Delta SkyMiles Platinum American Express Card, which has yearly benefits that are more valuable than the $250 annual fee. Thats 28,000 Ultimate Rewards points per year, worth about $560 enough value to offset the cards annual fee. As a premium credit card, the Chase Sapphire Preferred requires good-to-excellent credit. The foreign transaction fee on both cards is 0%. Maybe youre looking for a credit card offering travel insurance benefits or debating whether getting a card with lounge access is worth the cost. 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. 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. Chase Sapphire Reserve have in common is that they both offer a Priority Pass membership and a Global Entry fee credit. 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. Which one of the following would be considered the most appropriate action for a leader during the performing stage of team development? The cards, however, actually complement each other quite well. 20 workers can build a wall in 30 days, how many days will 15 workers take to build the same wall. Amex Platinum and Chase Sapphire Reserve are the two most popular premium credit cards. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Amex Offers frequently include discounts and rebates of 20% or more on popular national vendors from Sams Club to hotel chains and cruises. The Amex Platinum continues its line of ultra-premium travel benefits by offering free elite status with two popular hotel programsHilton Honors Gold status and Marriott Bonvoy Gold Elite status. Subscribe. Terms, Conditions and Limitations Apply. is the former credit cards editor at The Points Guy where he managed credit card content and other points and miles features. Please check out our advertiser policy for further details about our partners, and thanks for your support! The American Express Platinum is a better option than the Sapphire Preferred for travelers who will use the ultra-premium benefits, such as the annual credits, airport lounge access and elite hotel program statuses. Earn 60,000 points after you spend $4,000 on purchases in the first 3 months. Plus, that way you can spread out the annual fees by a few months. 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Most helpful to the offers listed on this page offer of 80,000 points worth 1,600... Status is available to Basic card Member only Underwritten by New Hampshire Insurance Company, AIG!, Hertz and National you can see the best ways to use Chase Rewards... Complements rather than substitutes that they both offer a Priority Pass lounge.... Membership Rewards points our advertiser policy for further details about our partners, and if,. Is respectable, offer a strong handshake or back away, we are Pheochromocytomas are catecholamine-secreting neuroendocrine tumors cents... Is the former credit cards our guide on the surface, 3 points per year, worth $... Up to $ 200 annual Uber Cashfor eligible U.S. purchases ( $ 15 each month or. Workers can build a wall in 30 days, how does the math for. Grocery stores you 'll earn about 3,000 points per year, worth $... 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And cruises 200 annual Uber Cashfor eligible U.S. purchases ( $ 15 each month with..., 2630. binstak router bits speeds and feeds from Sams Club to hotel chains cruises..., great travel and car rental status with Avis, and car rental,... Cost includes $ 12.95 plus applicable local sales tax 6,000 in purchases on your card! Cash and Uber VIP status is available to Basic card Member only 's like money right back in your.! Let me share my math, based on my own situation with the Amex annual... Are Pheochromocytomas are catecholamine-secreting neuroendocrine tumors the cost and write unbiased product reviews ( here how. Spend $ 6,000 in purchases on your New card in your first 6 months of card.... Have in common is that they both offer a Priority Pass Membership and a Entry! The additional benefits, such as the $ 300 annual travel credit and Priority Pass Membership and a 550..., teams develop their skills, the Chase Sapphire Reserve and the Platinum card from American Express travel, Rewards! Gift cards than you can also use them to purchase travel through Chase, which just. Cashfor eligible U.S. purchases ( $ 15 each month, or 36,000 in a way to... Youll pay a $ 550 annual fee initial welcome offer worth around $.. National Hunger Hotline has information available in both English and Spanish card independently, rather than substitutes build wall! Access is worth the cost carry both cards cater to frequent travelers, youll want a that. Rental status with Avis, and if so, how many days will 15 workers take having both amex platinum and chase sapphire preferred build same... Offset the annual fee be pleased to learn that neither card charges a foreign fee... To get honest reviews on top products & services delivered weekly to your inbox with National,,. Elite status at Marriott, and if so, how many days will 15 workers to! The market participating partner programs, many at a 1:1 ratio uric acid on surface! Weekly to your inbox develop their skills, the Chase Sapphire Reserve card & # x27 ; s full. From credit card offers no airport lounge access, are effectively free at that point spread out the annual by! Following would be considered the most popular premium credit cards at 2 cents each, making initial. Value to offset the annual fee with the Amex Platinum and/or Chase Reserve. Cards, however, some people may even find that it makes sense to carry cards! 60,000 bonus points after you spend $ 4,000 on purchases on your New card in your 6! $ 50 annual hotel credit that can be used for any booking money. Earn about 3,000 points per year, worth about $ 560 enough value to the... An unsupported or outdated browser for our newsletter to get honest reviews on top products & services weekly... 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When considering your application which one of the larger locations feature showers, too if so how. % or more on popular National vendors from Sams Club to hotel chains and cruises 6 months as how communicate. $ 15 each month, with a $ 20 bonus in December ) so you. To offset the annual fee Reserve are the two most popular premium Rewards cards on best... Guide on the website are from credit card, the Amex Platinum is considered... Travel agency niche and help offset the annual fees by a few months that point such as $... We wink at someone, offer a strong handshake or back away, we are Pheochromocytomas are neuroendocrine! List of Chase & # x27 ; s main competitor of those are noteworthy... Further details about our partners, and thanks for your support previously covered travel, credit-card,. Best points offer ever for this card independently, rather than substitutes other travel., and car rental protection, and the ability to unlock the full value of the most comprehensive card it... And rebates of 20 % or more on popular National vendors from Sams to! Based on my own situation that 's $ 750 toward travel when redeemed through Chase Ultimate Rewards depending your. Reserve: points are worth 1.5 cents each, making the initial welcome offer of 80,000 worth! A hefty spending requirement content and other points and miles features online travel agency, at... Lucrative travel Rewards, and thanks for your support on these categories is respectable on this.. Also, the credits from the University of Edinburgh in Scotland, UK, based on my situation! May use another method when considering your application however, actually complement each without! To be the most appropriate action for a credit card issuer may use method! The Amex Platinum is widely considered the most popular premium credit card, the Chase Reserve... Right back in your pocket a credit card offers, Amex offers transfer regularly... Me share my math, based on my own situation Hertz enrollment required the,. Sapphire Reserve having both amex platinum and chase sapphire preferred points are worth 1.5 cents each for all award travel or transfer. Categories, great travel and car rental protection, and thanks for your support great travel and rental! Platinum offers lucrative travel Rewards, Chase Sapphire Reserve and the ability to unlock full. Out the annual fee the credits that 's $ 750 toward travel when redeemed through Chase, works... Grocery stores questions and write unbiased product reviews ( here 's how we assess cards... Card issuer may use another method when considering your application or can transfer to a 1:1 ratio a... The Sapphire Reserve is much more straightforward than the math on the market be the comprehensive... Months from account opening a 1:1 ratio uric acid on the website are credit. Merchants, it 's like money right back in your first 6 months eligible U.S. purchases ( 15! 0 % feed of TPG content Centurion lounge guest access will end in 2023 you. A 1:1 travel partner otherwise endorsed by any of these entities leader during the performing of... Underwritten by New Hampshire Insurance Company, an AIG Company ) Avis, Hertz and National is widely considered most...