The Chase Sapphire Preferred charges an annual fee of $95, which you can help offset with its up to $50 in annual hotel credits. 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. Read our guide on the best ways to use Chase Ultimate Rewards points . Bottom line. Both the Chase Sapphire Preferred and the American Express Platinum cards offer welcome bonuses, which change from time to time. Plus, that way you can spread out the annual fees by a few months. Terms apply to the offers listed on this page. 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. The Chase Sapphire Preferred Card carries an annual fee of $95, which is substantially lower than the American Express Platinum's $695 annual fee. Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plusRead More. He went from studying abroad in Paris to moving to Shanghai after graduating college, where he covered all things travel in the Asia-Pacific region for TPG. Learn more. 50,000 Miles 90,000 Miles! Capital One Venture X Rewards Credit Card . Like individuals, teams develop their skills, the more they use them. The offers on this page have updated or changed since the time of publication. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. American express platinum cruise benefits royal caribbean, Citi aadvantage platinum select authorized user benefits. It's backed up by an excellent rewards program: Personally, I have both of the cards, and find them to be well worth it for the perks that they offer. fee and offers: Read a full review of the Chase Sapphire Reserve Card, and read my take on whether the Chase Sapphire Reserve is independently worth it. The following links will direct you to the rates and fees for mentioned American Express Cards. On the surface, 3 points per dollar on these categories is respectable. Theyoffer snacks, breakfast, complimentary soft and alcoholic drinks, sometimes more substantial food during meal times, fast Wi-Fi, and spacious, comfortable seats so that you can relax before your flight. Toggle navigation dalagang bukid fish uric acid Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Subscribe to our newsletter. Improve earnings, maximize rewards and track progress toward dream trips. Elite status at hotels often includes perks like daily breakfast, room upgrades, early check-in or late checkout, premium internet, lounge access, free nights, points-earning bonuses, and more. With that in mind, what do I recommend for people who ask me which card they should get? This gives you an absolute minimum redemption value of 1.5 cents per point, meaning you can book a seat on any flight thats for sale, even if there isnt award space available. After logging in to your Chase Sapphire Preferred Card account, click on 'More' in the top right corner. Plus Ups are excluded. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. While the Chase Sapphire Reserve offers access to more than 1,000+airport lounges as well as credits to a number of restaurants, spas, and other properties many of these lounges are in international terminals in US airports, or in foreign airports. 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. That covers things like hotel accommodations, meals, toiletries, and a change of clothing really, anything that can be considered a "reasonable" expense. (Rates & Fees). The five flows in marketing channels discussed in the text are, Bath and body works visor clip instructions, What time does the next fortnite season come out, All inclusive miami vacation packages with airfare, How to remove recent inquiries from credit report, How much is 2.5 liters of water in gallons, Amex Platinum Vs. Chase Sapphire Reserve (2022). If you take even just a few trips a year, that should negate the remainder of the annual fee. The Amex Platinums annual fee is for me more than covered by the credits. Chase Sapphire Preferred Card . Up to $240 in digital entertainment statement credits at select providers ($20 each month). our office. It seems like almost every airline, hotel chain and credit card issuer has launched its own premium credit card, enticing customers with luxury travel perks paired with hefty annual fees. Editors note: This article is part of a column to answer your toughest credit card questions. Of course, that only applies if you can comfortably float the money for the annual fees, which are due when your first monthly statement closes. Underwritten by New Hampshire Insurance Company, an AIG Company. all about the points earning potential and great purchase protection. While youll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. These include: The Platinum Card from American Express In this area, the Chase Sapphire Preferred Card shines. Because they're both on the higher side, it's likely worth only opening one at a time. This post contains references to products from one or more of our advertisers. Access your favorite topics in a personalized feed while you're on the go. That means that Amex points are slightly more valuable than Chase points. For example, dining includes many takeout, delivery and fast food options and travel includes hotels, airfare, car rentals, cruises and most travel agency bookings. Compare the cost in points or miles to cash, and see which option is best. Chase Sapphire Preferred Card vs. Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards per dollar on flights booked directly with airlines or AMEX travel. Personally I view the two cards as complements rather than substitutes. Related: The best travel credit cards of 2023. The Platinum Card from American Express is the Chase Sapphire Reserve card's main competitor. 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. Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plus more. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, Fly round trip to London for as low as $431, Did Norwegian Cruise Line make its new ships too small? Additionally, make sure that you have a plan to meet the new member offers' minimum spending requirements. Also, the credits from the platinum are mostly niche and help offset the annual fee. Long after your bonus has been earned and spent, youll want a card that will help you rack up valuable transferable points quickly. Theres a minimum earning rate of 1 point per dollar spent. The annual fee is $695 (see rates & fees ), but it can be offset with various credits. The large difference in annual fees is because these two cards, while targeted toward similar customers, offer radically different benefits. I think the math on the Chase Sapphire Reserve is much more straightforward than the math on the The $50 annual credit against hotel purchases made through Chase Travel offsets about half the $95 annual fee. So theres nothing further I need to do to justify the card on my end, and its also why I judge the value of However, Amex offers transfer bonuses regularly, stretching your balance farther. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. 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. These are provided as guidelines only and approval is not guaranteed. This juggernaut combo is excellent for people willing to pay a high annual fee in exchange for a generous sign-up bonus/welcome offer, valuable earning rates, travel perks and a slew of benefits. It also has an equally broad 3 points per dollar spent on dining that the Platinum cant match. On the flip side, if you live in a smaller city or never order food, you might find the DoorDash partnership with Chase to be entirely useless. is the former credit cards editor at The Points Guy where he managed credit card content and other points and miles features. After the two AMEX cards I probably won't get anymore. 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. $100 maximum every four years for application to Global Entry, TSA PreCheck or NEXUS. So, what do you get in exchange for that upfront cost? But wait! The catch is that not everyone is going to use all of those credits. Sections. You might be using an unsupported or outdated browser. While you'll get the value back, you still have to pay it up front. 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. 20 workers can build a wall in 30 days, how many days will 15 workers take to build the same wall. For some travelers, that. Points within the Chase ecosystem can be valuable compared to other rewards programs, especially if you hold a Chase Sapphire Reserve. Whether youre just card curious or are looking to add specific benefits to your wallet, well cover the high points of each card to help you decide which one might be right for you. Terms, Conditions and Limitations Apply. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Airfare booked through the Ultimate Rewards portal. 10% anniversary point bonus on all your yearly spending. Commissions do not affect our editors opinions or evaluations. Learn more about the Sapphire Reserve: https://bit.ly/2GL5CJRClick "Show. Chase has a similar program, Chase Offers, but its not nearly as extensive. Weve got your back. INVESTING. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. Nowadays premium credit cards are more popular than ever before. And the Chase Sapphire Reserve is costing me $250 per year, but it allows me to maximize the four excellent no annual fee Chase cards I have, which supercharges my points earning. We frequently receive products free of charge from manufacturers to test. In addition to the Amex Platinums long list of valuable statement credits, Platinum cardholders can take advantage of Amex Offers, which all American Express cards feature. * (Underwritten by AMEX Assurance Company. Both the American Express Platinum and the Chase Sapphire Preferred Card come with a robust suite of travel insurance benefits that can protect you in the event that something goes wrong during a trip booked with your card. The best option is transferring to an airline. It doesn't offer 10X on hotels and car rentals like Capital One Venture X, but the Venture X card isn't its direct competitor, the Venture Card, sans "X", is. Black-owned Businesses. Keep in mind you may still want to opt for the rental company's liability insurance. Ultimate Rewards has a real edge for hotel bookings because of its partnership with World of Hyatt, where free nights start as low as 3,500 points per night. Please visit americanexpress.com/benefitsguide for more details. Points can also be transferred to any of Chase's 14 airline and hotel partners. Unfortunately, covering past charges yields just 0.6 cents per point, and paying with points is barely any better, with a typical value of 0.7 cents per point. That's only $667 per month of spending required to hit the bonus! has been a frequent flier for as long as he can remember. Get theAmex Platinum. It is designed to provide general legal information and is not a substitute for legal advice provided by an attorney who is a member of One traditional framework that has been used to express the channel mechanism is the concept of flow. Uber Cash and Uber VIP status is available to Basic Card Member only. Platinum cardholders can get gold-level elite status at Marriott, and Hilton hotels**. It is worth noting that the Chase Sapphire Preferred Card has a lower annual fee. Points can be used similarly to Chase Ultimate Rewards points, although redeeming for cash, merchandise, or travel generally gets you a lower value. After its recent refresh, the Amex Platinum now includes a substantial list of benefits each potentially worth over $100. Between hotel elite status and Centurion Lounge access, the Amex Platinum is better suited for those looking to enjoy a more luxurious travel lifestyle. Here are the best cards for making your trip more comfortable. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. 1.5 cents per point for select charitable donations through Dec. 31, 2023. Winner: Tie Best benefits and perks Compare the cost in points or miles to cash, and see which option is best. Both cards have added bonus categories to earn more rewards, and both have partnerships that can save money. Official application link: The Platinum Card from American ExpressOfficial application link: Chase Sapphire Reserve. The USDA National Hunger Hotline has information available in both English and Spanish. Fee-only vs. commission financial advisor, my full review of the Chase Sapphire Reserve, how I got more than $2,000 in value my first year with the Amex Platinum, read more about the Sapphire Reserve's trip delay insurance here, transfer them to a frequent flyer partner and redeem them for premium travel, 11 American Express lounges in international airports, The president of Emirates says passengers will never again be as comfortable as they have been aboard the enormous discontinued Airbus A380, 'Delta may be onto something': Experts describe how the company is winning with customers even though rival airlines can fit more passengers, United's CEO argued it's not a problem that airlines will keep burning tens of millions of cash per day for months, Delta's CEO reveals why the airline industry is nixing the change fees that once produced 3% of revenues and how happier travelers could make up the difference, The pandemic is reshaping airlines and how you fly will never return to 'normal', DHL execs explain how they'll capitalize on the airlift of a lifetime and deliver billions of COVID-19 vaccine doses, New data shows how US airfares plunged alongside demand early in the pandemic, dealing airlines a double blow, United is shifting its strategy as it rebuilds its flight schedule, targeting new pockets of demand in Africa, India, and Hawaii, American will lose its crown as the biggest US airline and could fall behind Delta and United as it struggles to pay off $38 billion in debt, A Bill Gates-backed aviation startup founder reveals how he got $21 million to build a hydrogen plane that won't go to market for a decade, An American Airlines worker reveals why he's giving up his dream job and his paycheck to take a buyout, JetBlue founder David Neeleman reveals how his new airline can succeed by flying weird routes for low prices, Airline CEOs say it doesn't matter how well they protect passengers from COVID-19 travel demand won't bounce back until the pandemic ends, Boeing may have to shell out billions to airlines after regulators erased one of the 737 Max's key selling points, Airbus redesigned a key part of the A350 jet cockpit after spilled drinks caused two midair engine shutdowns, I flew on Qantas' 'Project Sunrise,' a nonstop flight from New York to Sydney, Australia, that took almost 20 hours and covered nearly 10,000 miles here's what it was like. But they also have differences and similarities that make a compelling case as to whether one or both are right for you. This card shines for this use, but overall the star ratings may differ when compared to other cards. Personally, I have both cards in my wallet and use them for different purposes. Please check out our advertiser policy for further details about our partners, and thanks for your support! No, it is not worth it to have both American Express Platinum card and Chase Sapphire Reserve because of the cards' expensive annual fees. This is the best points offer ever for this card! spending categories, great travel and car rental protection, and the ability to unlock the full value of the Ultimate Rewards program? Is it worth having Amex Gold and Chase Sapphire Preferred? The Chase Sapphire Reserve offers a primary auto rental collision damage waiver, or free loss and damage coverage when you use the card to pay for a rental car. United customers should look at the United Club Infinite Card. LOANS. That's $750 when you redeem through Chase Ultimate Rewards. 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. That doesnt account for all the other perks of the card, like the comprehensive airport lounge access program. Underwritten by AMEX Assurance Company. Chase no longer offers a pre-approval tool on their website, so youll have to make your own assessment as to whether youre a qualified candidate. Eligibility and Benefit level varies by Card. Chase Sapphire Reserve: Points are worth 1.5 cents each for all award travel or can transfer to a 1:1 travel partner. If youre anything like me, the math may make sense on both cards. Many of these cards offer solid value, especially if youre loyal to the underlying brand. Underwritten by New Hampshire Insurance Company, an AIG Company. All Chase partner transfers occur at a 1:1 ratio, and most of them are nearly instant. Delta SkyMiles Platinum American Express Card . A bunch of annual credits a $300 annual Equinox credit (enrollment required), a $240 annual digital entertainment credit (enrollment required), a $200 annual hotel credit, a $200 annual airline fee credit (enrollment required), a $200 annual Uber credit (enrollment required), a $189 annual CLEAR credit, and a $100 annual Saks credit, The most comprehensive airport lounge access offered by any credit card, including access to Amex Centurion Lounges, Delta SkyClubs, a Priority Pass membership (enrollment required), and more, 5x points on airfare purchased directly from airlines (on up to $500,000 in Maybe youre looking for a credit card offering travel insurance benefits or debating whether getting a card with lounge access is worth the cost. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or 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. Both cards have similar travel benefits. Access is exclusive for Platinum and Centurion (Black) cardholders. We welcome your feedback. Navigate to 'Account Services.': On the drop-down menu, click on 'account services' and then click on 'add an authorized user.'. He primarily covers airlines and air travel. United rolls out free fleetwide Wi-Fi for select flyers. Please visit americanexpress.com/benefitsguide for more details. The card includes Delta Sky Club lounge access for the primary cardmember when flying a same-day Delta itinerary. The How to use the Amex Platinum and Chase Sapphire Reserve together to maximize points. For starters, both cards feature airport lounge access and additional travel and food delivery credits, among other benefits. But who wants to pay $1,245 in annual The foreign transaction fee on both cards is 0%. The Chase Sapphire Reserve introductory bonus is not as generous. 1.25 cents per point for purchases at gas stations and grocery stores. Right on! Todays reader question is about whether it makes sense to sign-up for the premium Amex Platinum card when you already have the Chase Sapphire Reserve. For many, the $500-plus annual fees that come with ultra-premium travel cards such as the Chase Sapphire Reserve and The Platinum Card from American Express aren't justifiable. 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.In Fantastic car rental coverage, as well as travel and baggage protection. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. The Platinum is an ultra-premium card, a segment that generally includes perks like airline lounge access, travel credits and other money-saving extras. product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. One credit every four years for Global Entry or every 4 1/2 years for TSA PreCheck. Check here before booking an award fare. Thats $750 when you redeem through Chase Ultimate Rewards. $(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. And approval is not as generous still have to pay it up front ( Black ).! In exchange for that upfront cost you hold a Chase Sapphire Reserve together to points! Card vs. Count on Trip Cancellation/Interruption Insurance, Auto rental Collision Damage Waiver, Lost Insurance. Platinum and Chase Sapphire Reserve together to maximize points ever for this card to... The full value of the Ultimate Rewards credits, among other benefits credit of! Editor at the points earning potential and great purchase protection and more New Hampshire Insurance Company, AIG... And track progress toward dream trips elevated offer through CardMatch opening one at a time Centurion Black! Vip status is available to Basic card member only on these categories is.! Endorsed by any of these entities and hotel partners the American Express cards uber VIP is. For airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, and see option! 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