When we do list down points in Amex Gold vs Chase Sapphire reserve category the details for the latter remain the same while for the former we will have new details to look at so bear with repetitive stuff. So the next match-up sees Amex gold challenge Chase Sapphire reserve. However, there still might be a few things to consider or check out for you before making a decision and so feel free to go ahead and do a little bit of your research to come up with a conclusion that helps you make a decision, meanwhile we move to your next clash.Īlso Read: How to Send Money with Credit Card? 7 Easy ways Amex Gold vs Chase Sapphire Reserve # That is why in our Chase Sapphire Reserve vs Amex Platinum head to head we come to a standstill. No matter how many points you cover there is always bound to be something left out. Like when it comes to redemption options the Amex platinum card has more partners compared to the Chase Sapphire reserve card but the latter’s transfer ratio of 1:1 means that the value offered is better with this card. However, there are still quite a few categories where the two can be compared. This is again a win for Chase Sapphire reserve in Chase Sapphire Reserve vs Amex platinum segment which brings the score to 2 each. If you want to get new people on board, that is, get additional users then the Chase Sapphire credit card charges you 75 dollars for each new addition as opposed to 175 dollars per user for Amex Platinum unless you upgrade to a Platinum gold card. So in this segment again Amex emerges victorious courtesy of its marginally lower annual percentage rate and lesser credit score requirement which makes it easier to obtain. The foreign transaction fee on both cards is 0%. The annual percentage rate on your Amex Platinum is between 19.74% and 26.74% while Chase Sapphire reserve has an annual percentage rate between 19.99% and 26.99%. To get the Amex Platinum you need a credit score between 670 and 850 which is a more flexible range than that of the Chase Sapphire reserve which needs you to have a credit score between 800 and 850. There are no 10× or 3× point earnings on Amex whereas Chase gives all 10×, 5×, 3× and 1× points making them more useful when it comes to earning points. So here the Sapphire card emerges victorious because of its more giving nature than Amex. And this makes no difference because each point on both cards has the same value. Lastly, there is 1× point where you get 1 point for each dollar spent on other eligible items for both cards. To get 3× points, Amex again doesn’t have anything on offer while Chase card gives 3× points for money spent on travel and dining. For a Chase card to get you 5× points you need to book an air ticket using the Ultimate Rewards portal. You can also use Amex travel to make prepaid hotel bookings to earn 5× points. If we look at the points per spending then Amex Platinum won’t get you 10× points per dollar for any spend whereas Chase Sapphire Reserve gets you 10× points per dollar for Lyft rides till March 2025, hotels, and car rentals availed through the Ultimate Rewards portal and dining purchases made through ultimate rewards portal.įor 5× points per dollar on Amex, you need to use the card to book flight tickets using the card and you can do so by booking tickets up to 5,00,000 dollars in a calendar year. So if you are willing to spend close to 150 dollars more initially and then a further 2,000 dollars in 3 extra months, then you have got a better deal with Amex. When you convert the bonus points by the value of 2 cents you get a sum between 800 to 1,200 dollars on your Sapphire card depending on where and how you spend it while you get 2,000 dollars on the Amex card. On the other hand, Amex Platinum gives you 1,00,000 bonus points when you spend 6,000 dollars using the card in its first six months. Now when you sign up for a Chase Sapphire Reserve credit card you can get 80,000 points as a bonus if you spend more than 4,000 dollars in the first three months of getting the card. On the other hand, the Chase Reserve Platinum card will cost you 550 dollars in annual fees with the applicable fees excluded. Currently, the Amex platinum card will cost you 695 dollars in annual fees, that is, excluding the applicable taxes. And it is basic that you always first look at the amount to be paid to get either card so let’s begin with looking at the annual fee of both cards to kick off Chase Sapphire Reserve vs Amex platinum. Chase Sapphire Reserve vs Amex Platinum: A Guide #
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