Chase Sapphire Reserve vs AMEX Platinum Calculator

Calculate the cash value of the Chase Sapphire Reserve vs the AMEX Platinum based on your spend, the value of the card benefits, and annual fees.

The Chase Sapphire Reserve and the American Express Platinum Card are two of the most popular premium travel cards on the market. The Sapphire Reserve is known for it's excellent return on travel and dining purchases, the 50% boost in point value for Chase Travel Portal redemptions, and the superb travel coverage Chase provides. The AMEX Platinum is known for it's high 5x earnings on airfare, extensive lounge access it offers, and many perks that are passed over to authorized users of the card. Both of these cards provides a long list of travel benefits that provides excellent value.

Bonus Categories

The Chase Sapphire Reserve Card features two bonus categories which are travel and dining. There's no limit to the amount of bonus Ultimate Rewards Points you can earn spending in either category and no limit on the amount of Ultimate Rewards Points you can earn with the card overall.

The AMEX Platinum Card features three bonus categories that will earn you bonus Membership Rewards Points which are airfare purchases made directly with an airline, airfare purchases made through the American Express Travel Portal, and hotel purchases made through the American Express Travel Portal. There's no cap on any of these bonus categories and no limit to the amount of Membership Rewards Points you can earn with the card overall.

Chase Sapphire Reserve

  • 10x Lyft
    • This is the best earnings you can earn on Lyft spend. I highly recommend using this card if you spend with the particular rideshare service.
    • All other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
  • 3x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 3x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

AMEX Platinum Card

  • 5x Airfare (Booked Direct)
  • 5x Airfare Booked w/ AMEX Travel
    • Applies to pre-paid bookings (which is normal for airfare).
  • 5x Hotels Booked w/ AMEX Travel
    • Applies to pre-paid bookings.
    • Great for Fine Hotels & Resort and The Hotel Collection bookings.
  • 1x Non-Category

Perks & Benefits

The big battle between the Chase Sapphire Reserve and American Express Platinum Card comes down to the card benefits... and both cards have a lot of premium travel benefits.

Chase Sapphire Reserve

  • Annual $300 Travel Credit
    • Based on your account anniversary.
    • Triggers on any purchase that Chase considers to be travel.
    • Very easy to use if you travel.
  • 50% Point Value Boost
    • You'll receive a 50% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.5 cents for portal redemptions.
    • A smaller 25% point boost is offered on the Chase Sapphire Preferred and Chase Ink Business Preferred.
  • Global Entry or TSA PreCheck Credit
    • Global Entry for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck for expedited screening through TSA checkpoints.
  • Priority Pass Select Membership
  • Lyft Pink Membership
    • One year complimentary membership which offers:
      • 15% off unlimited car rides
      • Priority airport pickups
      • 3 cancel fees waived per month if re-booked within 15 minutes
      • Waived lost and found fees
      • 3 free 30-min. bike or scooter rides per month
      • Seasonal discounts and exclusive savings/offers
    • Membership is normally $19.99 per month which equals $240 in cash value.
  • DoorDash DashPass Membership
    • Two years of complimentary membership which offers:
      • $0 delivery fees from participating restaurants
      • Reduced service fees
    • DashPass normally costs $9.99 per month which equals $120 in cash value.
  • Annual $60 DoorDash Credits
    • Applies to 2020 and 2021.
  • Luxury Hotel and Resort Collection
  • Insurance and Purchase Protections

AMEX Platinum Card

  • Annual $200 Airline Incidental Credit
    • Applies to your chosen airline that you pick upon receiving the card and every January thereafter.
    • Can be used with the following airlines:
      • Alaska Airlines
      • American Airlines
      • Delta Airlines
      • Frontier Airlines
      • Hawaiian Airlines
      • JetBlue Airways
      • Spirit Airlines
      • Southwest Airlines
      • United Airlines
    • Incidental charges are credited back to your account in the form of a statement credit.
    • Baggage fees, lounge fees, and in-flight purchases count as incidental charges; Can also be triggered by some seat costs (such as paying for an Exit seat).
    • Chosen airline does not have to be the same airline you picked on other cards that feature this benefit.
  • Annual $200 Uber Credit
    • Split up into $15 per month with a bonus $20 in December (for a total of $35 in December).
    • Ties to a single Uber account and the $15 is part of your Uber Cash.
    • Must be used within the month offered; Use it or lose it.
    • Can be used for Uber rides or UberEats deliveries.
    • If you dine or ride with Uber often, pair with the Barclays Uber Visa to maximize Uber Cash.
  • Annual $100 Saks Fifth Credit
    • Credit is split up: $50 January-June, $50 July-December.
    • Credit does not roll over; Use it or lose it.
    • Charges with Saks Fifth are credited back to your account in the form of a statement credit.
    • Purchases are trigger shopping in-store or via
  • Global Entry or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • American Express Global Lounge Collection
    • Grants complimentary access to the following lounges:
      • Centurion Lounges
      • Delta Sky Club Lounge
        • Must be flying Delta and present a same-day Delta ticket.
      • Airspace Lounges
      • Escape Lounges
      • Priority Pass Lounges
        • Priority Pass Select Membership is complimentary.
  • Marriott Bonvoy Gold Status
  • Hilton Honors Gold Status
  • Fine Hotel & Resorts
    • Benefits Include:
      • Noon Check-In
      • Complimentary Room Upgrade
      • Continental Breakfast For Two
      • Complimentary In-Room Wi-Fi
      • Late 4pm Checkout
      • Unique Property Amenity
    • Purchase must be made in full on the Business Platinum or personal Platinum Card.
  • The Hotel Collection
    • When staying 2+ consecutive nights, you will receive:
      • $100 USD hotel credit towards hotel amenities such as dining, drinks, and spa.
      • Room upgrade at check-in.
  • Cruises Privileges Program
    • Receive $100 USD to $300 USD when booking 5+ nights with selected cruise lines.
    • Credit amount is based on cruise line and type of room booked.
    • Participating cruise lines include:
      • Celebrity Cruises
      • Norwegian Cruise Line
      • Holland America Line
      • Princess Cruises
      • Royal Caribbean International
      • Cunard Line
      • Ama Waterways
      • Oceania
      • Regent
      • Azamara
      • Seabourn
      • Crystal
      • Silversea
      • Uniworld
      • Windstar
  • The Travel Collection by Travel Leaders Group
  • Avis Preferred Status
  • Hertz Gold Plus Rewards Five Star Status
  • National Car Rental Emerald Club Executive Status
  • International Airline Program
    • Save on base airfare when buying international first, business, or premium economy tickets through American Express.
    • Can pay using any AMEX Card or use Membership Rewards Points.
    • 35% Airline Bonus (Rebate) can also be applied to these bookings when paying with points.
  • +1 American Express Travel Portal
    • Receive an extra point (for a total of 2) for purchases on the AMEX Travel Portal.
    • Does not apply to airfare and hotel booking since they already earn at 5x.
  • AMEX Entertainment Access
    • AMEX Presales
    • AMEX Preferred Seating
    • Access To Exclusive Events
    • By Invitation Only (Platinum Card specific events)
  • Platinum Concierge
  • ShopRunner Membership
  • InCircle
    • Earn 1 InCircle Point for each $1 towards purchases at Neiman Marcus, Bergdorf Goodman, Last Call, Horchow, or Cusp.
    • Redeem 10,000 Points for $100 InCircle Point Card.
  • AMEX Offers
  • Global Dining Collection
  • Departures Magazine
  • No Preset Spending Limit (NPSL)
  • Insurance and Purchase Protections

Sign Up Bonus (SUB)

The Chase Sapphire Reserve Card has a standard sign up bonus of 50,000 bonus points after you spend $4,000 on purchases within the first 3 months from account opening. 50,000 Ultimate Rewards Points can be redeemed on the Chase Travel Portal for $750 thanks to the 50% boost in point value you'll get from having the card. You can also transfer your Ultimate Rewards Points to airline and hotel partners which can give you significantly higher value than $750. Transferring to partners are all 1:1 so you'll end up with 50,000 airline miles or 50,000 hotel points which can boost your points up to a value of 2 or more cents each.

The AMEX Platinum has a standard sign up bonus of around 70,000 Membership Rewards Points and this is usually after spending $5,000 within the first three months. This is worth an easy $700 when redeemed on the AMEX Travel Portal, but can be worth upwards of $1,400+ when transferred to AMEX's airline and hotel partners. You can sometimes get the 100,000-point sign up bonus when visiting the page using incognito/private browsing or via referral links.

Chase Sapphire Reserve Sign Up Bonus
Bonus 50,000
Spend Requirement
Within First 3 Months
Est. Value $750+
AMEX Platinum Card Sign Up Bonus
Bonus 70,000
Spend Requirement
Within First 3 Months
Est. Value $700+


The Chase Sapphire Reserve and AMEX Platinum Card both have annual fees of $550. Both cards offer a significant amount of annual credits, perks, and benefits that are easily worth more than the fees both of these cards have.

The authorized user fee for the Chase Sapphire Reserve is $75 per year. Each authorized user don't get much outside of the ability to earn at the 3x earning rates and receive the same great travel and purchase coverage that the primary cardholder receives.

The AMEX Platinum authorized user fee is a total of $175 for the first three users which means whether you add one user or three users, it will be $175 total (so I recommend adding three if you can). All additional cards after the first three will cost you $175 per card. While it sounds expensive, authorized users will receive just about all the same benefits as the primary cardholder. This includes each user having their own Global Entry/TSA PreCheck credit, hotel elite status with Marriott and Hilton, Global Lounge Collection access, and much more. The fact that each user can get this for what comes to be around $59 per user is a superb deal.

The Chase Sapphire Reserve and AMEX Platinum Card both have a 0% foreign transaction fee. The travel and dining categories on the Sapphire Reserve makes it a great card for international travelers. The AMEX Platinum doesn't really offer much in terms of bonus points for international travel.

- Fees
Annual Fee -
Authorized User Fee -
Foreign Transaction Fee -
- Fees
Annual Fee -
Authorized User Fee -
Foreign Transaction Fee -

Transfer Partners

Ultimate Rewards Points and Membership Rewards Points are transferable to frequent flyer programs and hotel loyalty programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred hotel or airlines that you typically do business with. The transfer partners of both programs are listed below.

Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

Limited Time $40 Bonus
Earn $40 or 4,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $40+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads