Airfare booked through the Ultimate Rewards portal. Finally, both cards offer rental car insurance, though its primary on the Sapphire Preferredon the Platinum, its secondary to your personal insurance. There are also 11 American Express lounges in international airports. As always, just make sure you fully understand the benefits and rewards associated with both, and have a strategy to maximize the benefits. Please visit americanexpress.com/benefitsguide for more details. Up to $189 annual Clear membership statement credit. That makes the welcome offer worth around$1,140. Since Amex only allows you to earn a welcome offer on each of its cards once per lifetime, it might be tempting to hold off on applying for the Amex Platinum in hopes that you may be targeted through CardMatch for a higher bonus at some point in the future. 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. Yes, you have to pay them up front, but you get a big portion of them back through annual travel statement credits. Learn more. Which one of the following would be considered the most appropriate action for a leader during the performing stage of team development? Some locations also feature shower suites, spas, or relaxation areas. The USDA National Hunger Hotline has information available in both English and Spanish. Terms, Conditions and Limitations Apply. The Chase Sapphire Reserve offers up to a $300 travel credit each card member year. When you get the card, be sure to flip through the benefits guide. Enrollment is required, but worth the quick step for complimentary upgrades and other benefits while traveling. Ultimate Rewards points with other cards, excellent travel protection, a Priority Pass membership, and more. 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. Card Members are responsible for the costs charged by third-party service providers. Both of these cards get that done but in very different ways. Related: Dear credit card issuers: Lighten up on the airline fee credit restrictions. Should you get Global Entry or TSA PreCheck? Nonverbal communication is defined as how people communicate with each other without talking or writing. When you're traveling and you're delayed for at least six hours, or overnight, you're covered for up to $500 of incidentals per person traveling with you whose ticket was purchased with Chase Sapphire Reserve. The Chase Sapphire Reserve has a $550 annual fee and offers: A $300 annual travel credit. Winner: Chase Sapphire Reserve is the best for earning thanks to its favorable everyday bonus categories that help you earn more points in the long term. Related: The best travel credit cards of 2023. Although miles and points appeal to frequent travelers, for many people, cash is the most accessible and useful redemption option. For rates and fees of The Platinum Card from American Express, please click here. Cardholders earn 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. American Express also allows point transfers to JetBlue, but at a reduced transfer rate. BANKING. However, since earning the welcome offer, I don't often use my Platinum Card for everyday spending unless I need to in order to to get a certain benefit or unlock an Amex Offer. 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. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Enjoy access to more than 1,400 airport lounges worldwide through the Global Lounge Collection. To me, the only thing that the Amex Platinum and 50,000 Miles 90,000 Miles! 1.25 cents per point to cover your annual fee. We operate independently from our advertising sales team. Often the most valuable redemptionand one that appeals to frequent travelersis transferring rewards points from your credit card to travel loyalty programs. Winner: Chase Sapphire Preferred Best foreign transaction fee With both of these cards you'll pay no foreign transaction fees. Finally, both cards offer point transfers to hotels. 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. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please visit americanexpress.com/benefitsguide for more details. We may receive compensation when you click on links to those products. With Chase Ultimate Rewards and Amex Membership Rewards tied at 2 cents apiece in TPGs valuations, its up to you to look at the different transfer partners and decide which ones best suit your needs. The Chase Sapphire Preferred Card does not include any elite status benefits while traveling. 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. Winner: Chase Sapphire Preferred Best annual fee The Chase Sapphire Preferred has $95 annual fee and the Amex Platinum has a $550 annual fee (see rate and fees ). Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards. Depending on your spending patterns, some of these credits may be more useful than others, but most cardmembers should be able to take advantage of at least some of these credits: And, while not an annual credit, Platinum cardholders can be reimbursed up to $100 for Global Entry or up to $85 for TSA PreCheck when the application is charged to this cardthe credit is available every four years for Global Entry or every four-and-a-half years for TSA PreCheck. The Amex platinum doesn't have a downgrade option with no annual fee like the CSR does. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. For example, 60,000 points are worth $750 toward travel. That means the 60,000 points earned from the sign-up. Long after your bonus has been earned and spent, youll want a card that will help you rack up valuable transferable points quickly. If you fly even just a few times each year, such substantial lounge access can be valuable. Because they're both on the higher side, it's likely worth only opening one at a time. 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. Trip cancellation/interruption insurance. Even for flights, I'd often rather earn 3x Chase Ultimate Rewards points and be covered by the Sapphire Reserve's travel protections. Although the Priority Pass Select membership that comes with this card no longer allows you to access participating restaurants (you can with a Chase-issued Priority Pass membership), the access to Amexs wide collection of Centurion Lounges and Delta Sky Clubs on same-day Delta flights should be enough to make up for that. (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 . By clicking Sign up, you agree to receive marketing emails from Insider If instead you redeem your points against travel purchases through the Chase Ultimate Rewards portal or to cover eligible Pay Yourself Back purchases, the Sapphire Preferred sweetens the deal and gives you 25% more value for your points. Bottom line. Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plusRead More. However, Amex offers transfer bonuses regularly, stretching your balance farther. 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). The cards, however, actually complement each other quite well. By clicking "Accept All", you consent to our use of cookies. Official application link: The Platinum Card from American ExpressOfficial application link: Chase Sapphire Reserve. Please visit americanexpress.com/benefitsguide for more details. If you buy them, we get a small share of the revenue from the sale from our commerce partners. Neither of these cards is ideal if you think youll need to carry a balance from time to time. The various behavioral forms that nonverbal communication takes are referred to as nonverbal, Why give alpha blocker before beta blocker in pheochromocytoma. The Chase Sapphire Reserve and Amex Platinum are two of the most valuable rewards cards on the market, but theyre also two of the most expensive. Please view our advertising policy page for more information. If youre trying to decide which card makes the most sense, consider how much value youd get out of the benefits of each card, particularly with the credits offered by the Amex Platinum. Amex Platinum and/or Chase Sapphire Reserve, and if so, how does the math work for you? Both Chase and American Express partner with Marriott. It will automatically apply to a broad range of travel purchases, while the $200 Amex airline credit only applies to select fees such as seat assignments or checked bags and you're limited to a single airline you designate each year. read about my favorite perks of the Amex Platinum Card. Still, if you travel several times a year, it may be worth considering both as part of your card portfolio as long as you can tackle the hefty annual fees. Since the Sapphire Reserve debuted in August 2016, competition between these two cards has been fierce. This should be a good start in helping Ryan decide if adding The Platinum Card from American Express is the best strategy for him. The welcome offer alone is worth $2,000, according to TPG valuations. Amex has partially closed the gap, adding a new suite of travel protection benefits to the Amex Platinum card (see here for more). Delta SkyMiles Platinum American Express Card . 252 Sharp Street, Cooma, NSW, 2630. binstak router bits speeds and feeds. Get the Chase Sapphire Reserve, Do you want the best card for airport lounge access, a huge number of credits that could way more than justify the annual fee, useful mid-tier hotel status with two programs, 5x points on airfare, and more? For starters, both cards feature airport lounge access and additional travel and food delivery credits, among other benefits. Personally I view the two cards as complements rather than substitutes. Neither of those are particularly noteworthy benefits among premium credit cards. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. To view rates and fees for The Platinum Card from American Express please visit this page. With its $695 annual fee (see rates and fees), the Amex Platinum is currently offering new applicants 80,000 Membership Rewards points after they spend $6,000 on purchases in the first six months of cardmembership. Terms, Conditions and Limitations Apply. 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. Chase offers no equivalent benefit. Each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year. Find the right card for you. Customize Reject All Accept All Customize Consent Preferences If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. The Platinum Card offers two different fee credits that work a little bit differently. See our Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Try BYJUS free classes today!No worries! Our points-obsessed staff uses a plethora of credit cards on a daily basis. Up to $200 annual Uber Cashfor eligible U.S. purchases ($15 each month, with a $20 bonus in December). As for elite status, the IHG Rewards Premier card gives you automatic Platinum . Underwritten by AMEX Assurance Company. Chase Sapphire Preferred Card vs. 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. Here's why it might be worth having both cards. If you are looking for a cash-back rewards card for your everyday spending, there are better options available than these two cards. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or $(function () { init(); setTimeout(function () { init(); }, 400); function init() { compareWidgetAlignment(); bindEvents(); showRatingTooltip(); } function bindEvents() { $(window).on('resize', window.throttle(windowResizeHandler)); } function compareWidgetAlignment() { document.querySelectorAll('.compare-cc-wrapper').forEach(function (ele) { setSameHeightForElements(ele.querySelectorAll(".top-text")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-heading")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-title")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-rating-img-wrapper")); setSameHeightForElements(ele.querySelectorAll(".apply-now-btn-wrapper")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-below-text")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper")); setSameHeightForElements(ele.querySelectorAll(".card-img-inner-wrap")); setSameHeightForElements(ele.querySelectorAll(".credit-card-wrapper-reward-rate")); setSameHeightForElements(ele.querySelectorAll(".detail-wrapper"), '0'); setSameHeightForElements(ele.querySelectorAll(".partner-offer"), '0'); }); } setTimeout(function () { document.querySelectorAll(".loader").forEach( function(item){ return item.style.display = "none"; }); }, 1100); function applyHeightAuto(cardsList) { cardsList.forEach(function (card) { card.style.height = 'auto'; }); } function getMaxHeight(cardsList) { return Math.max.apply(null, $(cardsList).map(function () { return $(this).outerHeight(); }).get()); } function setSameHeightForElements(cardsList) { applyHeightAuto(cardsList); var maxHeight = getMaxHeight(cardsList); cardsList.forEach(function (card) { card.style.height = maxHeight + 'px'; }); } function windowResizeHandler() { compareWidgetAlignment(); } function showRatingTooltip() { var device_type = getDeviceTypeInNumber(window.deviceType); if (device_type === 1) { $('.card-rating').on('mouseenter', function () { $(this).find('.card-rating-tooltip').addClass('show'); }); $('.card-rating').on('mouseleave', function () { $(this).find('.card-rating-tooltip').removeClass('show'); }); } else { if (!window.tooltipMobileEvent) { window.tooltipMobileEvent = true; $('body').on('click', function (e) { var ratingComponent = $(e.target).closest(".card-rating"); var ratingTooltip = ratingComponent.find('.card-rating-tooltip'); if (ratingComponent.length >0 && !ratingTooltip.hasClass('show')) { ratingTooltip.toggleClass('show'); } else if ($('.card-rating-tooltip').hasClass('show')) { $('.card-rating-tooltip').removeClass('show'); } }); } } } }); If you are considering the Chase Sapphire Preferred Card or the The Platinum Card from American Express (Terms apply. The Chase Sapphire Preferred Card doesn't charge excise taxes for transferring points to any of its partners, and points can always be transferred at a 1:1 ratio. Keep in mind that we're focusing on the rewards and perks that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards. Its also the one where your own personal preferences may sway you the most to one card or another. CREDIT CARDS. Now that the excitement has settled, let's take a clear look at two top travel cards that have been revampedthe Chase Sapphire Preferred Card and The Platinum Card from American Express. Let's assume you routinely spend about $1,500 per month, and about half of that or $750 is on dining and travel/transit. Please visit americanexpress.com/benefitsguide for more details. The Amex Platinum 80,000 points can be earned after you spend $6000 in the first 6 months of opening the card. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. You can get up to $200 a year in Uber credits each card member year. If you prefer an Amex, consider the American Express Green Card*. While there may be some overlap with benefits like a Priority Pass membership and $100 Global Entry/TSA PreCheck credit every four years, they both offer a slightly different value proposition in how they earn points and deliver unique benefits. Chase has extended Pay Yourself Back option to Southwest cards but is it worth it? Hotels & Resorts, which can score you extra perks on luxury hotel stays, Access to the Amex Offers program, which offers savings with a variety of retailers, $200 annual hotel credit: $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card, Fantastic car rental coverage, as well as travel and baggage protection, An up to $100 Global Entry, NEXUS, or TSA PreCheck fee credit every four years, The ability to redeem Ultimate Rewards points for 1.5 cents towards travel purchases through the Ultimate Rewards portal, Do you want an incredibly well-rounded card that offers an excellent return on popular No single credit card is the best option for every family, every purchase or every budget. The Sapphire Preferred only includes a single annual credit: earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards. 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. Next, there's an airline fee credit each calendar year**. Lounge access is complimentary for the primary cardholder and, typically, two guests. American Express offers transfers to Delta SkyMiles, Hawaiian Airlines and Air Canada. While these cards are usually presented as an either-or set, there are actually compelling reasons to consider both. Right on! Points transfer to participating partner programs at a 1:1 ratio. There are even more places your Platinum Card can get you complimentary entry and exclusive perks. Here are the best cards for making your trip more comfortable. 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. 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. Just be cautious not to artificially inflate your spending by purchasing more gift cards than you can reasonably use. Capital One Venture X Rewards Credit Card . Lets say youre spending $5,000 on both airfare and dining combined each year, $1,000 on hotels or cruises and $10,000 on non-bonus spending. The Platinum Card's $695 annual fee is exceptionally high -- even for a premium travel card. Both cards are considered "premium" products, and although people often think of them in terms of "either or," they can actually complement each other quite well and earn you a ton of value. 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