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Chase Sapphire Reserve® vs The Business Platinum® Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to American Express Business Platinum, a business and travel charge card? Read our comparison chart below.

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

 Chase Sapphire ReserveThe Business Platinum Card from American Express
 Apply NowApply Now
 

Chase Sapphire Reserve®

The Business Platinum® Card from American Express

 Personal Credit CardBusiness Charge Card
 
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APR19.24% to 26.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR19.24% to 26.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$450 annual fee$595 annual fee
 

Card Rewards & Benefits

Introductory Bonus Reward PointsEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®Welcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
Travel Rewards3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
Travel Rewards
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programsGet 5X Membership Rewards® points on flights on amextravel.com.
Bonus Airline Rewards 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programsGet 5X Membership Rewards® points on prepaid hotels on amextravel.com.
Point Rewards3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
Airline Status$300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more.
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 Status Enroll 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.
Dining Rewards3X points on dining at restaurants 
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.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.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 Chase Sapphire ReserveThe Business Platinum Card from American Express
Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $450 annual fee
  • No introductory annual fee
  • No intro APR
Pros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $595 annual fee
Bottom LineUltra premium credit card for luxury travelers... Read full reviewExcellent business charge card for frequent travelers... Read full review
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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.

Which is Better: Chase Sapphire Reserve or American Express Business Platinum?

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


Articles on Chase Sapphire Reserve®


Articles on The Business Platinum® Card from American Express


Comments

  • Steve from Indiana
    on October 22, 2016 9:06 AM said about American Express Business Platinum:

    Hands down American Express if you really use it a lot!
    They keep on making it much better!

    I was not a big fan before because I didn't use it much!
    Once you start really using it in all ways possible it works even harder and better!
    I love it!

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.

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You Might Also Like


Compare Chase Sapphire Reserve to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
18.24% - 25.24% Variable
Annual Fee
$95
American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
American Express Gold

American Express® Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250

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Compare American Express Business Platinum to:

Business Gold Card
Introductory Bonus Reward PointsBonus Airline RewardsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending LimitEventsCar Rental InsuranceExtended WarrantyPurchase Protection Return ProtectionBaggage Insurance$0 Fraud LiabilityRoadside Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.49% - 24.49% Variable
$295

American Express Plum Card
No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionBaggage Insurance$0 Fraud LiabilityIdentity Theft AssistanceRoadside Assistance
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $250
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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.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.