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The Platinum Card® from American Express vs Chase Sapphire Preferred® Card

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 Sapphire Preferred, a travel, airline, points and restaurant credit card? Read our comparison chart below.

Keep in mind, the American Express Platinum has a $550 annual fee, while the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95.

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

 The Platinum Card from American ExpressChase Sapphire Preferred Card
 Apply NowApply Now
 

The Platinum Card® from American Express

Chase Sapphire Preferred® Card

 Personal Charge CardPersonal Credit Card
 
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
 

Card Interest Rates & Fees

Purchase APRN/A17.99% to 24.99% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.99% to 24.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$550 annual fee$0 Intro Annual Fee for the First Year, then $95
 

Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.Introductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Travel RewardsTravel RewardsTravel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Airline RewardsAirline Rewards: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel RewardsHotel Rewards: 5X Membership Rewards points on prepaid hotels booked on amextravel.com.Hotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsPoint Rewards: Earn 1 point for virtually every dollar spent.Point Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline StatusAirline 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 StatusHotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
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.
 
Dining Rewards Dining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline Transfer PartnersAirline Transfer Partners: Airline 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.Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Platinum Card from American ExpressChase Sapphire Preferred Card
Pros & ConsPros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Pros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $0 Intro Annual Fee for the First Year, then $95
  • No intro APR
Bottom LineExcellent charge card for frequent travelers... Read full reviewHigh-earning rewards card for those with excellent credit... Read full review
 Apply NowApply Now
What Others View

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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.

Which is Better: American Express Platinum or Chase Sapphire Preferred?

Still need help deciding which travel card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Platinum or Chase Sapphire Reserve.


Articles on The Platinum Card® from American Express


Articles on Chase Sapphire Preferred® Card


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Compare American Express Platinum to:

American Express Gold Card

American Express® Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250
American Express Business Platinum

The Business Platinum® Card from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline Rewards
Annual Fee
$450
Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on purchases for 12 months
0% on balance transfers for 12 months
14.99% - 25.99% Variable
Annual Fee
$95

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Credit Card for Traveling Abroad

The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. But what's the right travel card for you?

Compare Chase Sapphire Preferred to:

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
14.74% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.99% - 24.99% Variable
Annual Fee
$450
Starwood Preferred Guest

Starwood Preferred Guest® Credit Card from American Express

Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 26.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95

Disclaimer: The information for the 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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