CSR vs Amex Platinum
The two heavyweight premium cards, credits against credits.
Chase Sapphire Reserve
Chase
- Our rating
- 9.2/10
- Welcome bonus
- 150,000 points
- Bonus value
- ≈$3,075
- Annual fee
- $795
- Credits, max/yr
- $1,640
- Foreign txn fee
- None
Top earning rates
- 8x Chase Travel purchases
- 4x Flights and hotels booked direct
- 3x Dining worldwide
- 1x All other purchases
The Platinum Card from American Express
American Express
- Our rating
- 8.9/10
- Welcome bonus
- 175,000 points
- Bonus value
- ≈$3,500
- Annual fee
- $895
- Credits, max/yr
- $2,275
- Foreign txn fee
- None
Top earning rates
- 5x Flights booked direct or via Amex Travel (up to $500k/yr)
- 5x Prepaid hotels via Amex Travel
- 1x All other purchases
The Compound Verdict
Our ratings give it to the Chase Sapphire Reserve (9.2 vs 8.9). On current welcome offers, the Amex Platinum brings the bigger first-year haul at ≈$3,500. The fee gap is $100 a year, so make sure the extra credits and multipliers actually fit your spend.
Read the full reviews for the complete math: CSR review and Amex Platinum review, or put them side by side in the comparison tool.