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The Platinum Card® from American Express vs Chase Freedom

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Platinum is an excellent charge card for frequent travelers. How does it compare to Chase Freedom, a cash back credit card? Read our comparison chart below.

Charge Card vs Credit Card: The Platinum Card® from American Express is a charge card while Chase Freedom is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Apply NowRead Chase Freedom Review
 

The Platinum Card® from American Express

Chase Freedom

 Personal Charge CardPersonal Credit Card
 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Introductory APR for Balance TransfersN/A0% introductory APR for 15 months
Purchase APRN/A16.49% to 25.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A16.49% to 25.24% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$550 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening.
Introductory Bonus OfferEarn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. 
Cash Back Rewards Unlimited 1% cash back on all other purchases.
Bonus Cash Back Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2019:
January - March 2019: Gas Stations, Drugstores, and Tolls
April - June 2019: Grocery Stores and Home Improvement Stores
July - September 2019: Gas Stations and Select Streaming Services
October - December 2019: Department Stores, PayPal and Chase Pay
Travel RewardsTravel Rewards 
Airline Rewards5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 
Hotel Rewards5X Membership Rewards points on prepaid hotels booked on amextravel.com. 
Point RewardsEarn 1 point for virtually every dollar spent. 
Airline Status$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
Hotel StatusEnroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
 
Airline Transfer PartnersAirline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Pros:
  • Earn a $150 Bonus
  • 5% bonus rotating categories
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom LineExcellent charge card for frequent travelers... Read full reviewExcellent cash back credit card for cardholders who pay in full... Read full review
 Apply NowRead Chase Freedom Review
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Disclaimer: The information for the Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Chase Freedom: Pricing information including interest rates, benefits and fees was obtained on November 25, 2019 from published websites and is believed to be accurate, but not guaranteed.


    Articles on The Platinum Card® from American Express


    Articles on Chase Freedom


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    Compare American Express Platinum to:

    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
    Annual Fee
    $95
    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $595

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    Compare Chase Freedom to:

    Chase Freedom Unlimited

    Chase Freedom Unlimited®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% for 15 months
    0% for 15 months
    16.49% - 25.24% Variable
    Annual Fee
    $0
    Capital One Quicksilver

    Capital One® Quicksilver® Cash Rewards Credit Card

    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    15.74% - 25.74% (Variable)
    Annual Fee
    $0
    Capital One Venture

    Capital One® Venture® Rewards Credit Card

    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.74% (Variable)
    Annual Fee
    $0 intro for first year; $95 after that

    Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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