Card Comparison
Pick up to 3 cards. We'll do the math.
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Your comparison (3/3)
Amex Platinum
$895/yr
Chase Sapphire Reserve
$795/yr
Amex Gold
$325/yr
All cards · sorted by annual fee
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Monthly dining spend$500
Flights per year4
Hotel nights per year8
Monthly rideshare spend$50
Amex Platinum American Express $895/yr | Chase Sapphire Reserve Chase $795/yr | Amex Gold American Express $325/yr | |
|---|---|---|---|
| Annual fee | $895 | $795 | $325 |
| Authorized user fee | $195/user | $195/user | Free |
| Verified annual credits | $2,555 | $2,340 | $424 |
| Net (if all credits captured) | +$1,660 | +$1,545 | +$99 |
| Lounge access | Centurion + Priority Pass Lounge Access — Yes (perk, no assigned $ value) | Priority Pass Lounge Access — Yes (perk, no assigned $ value) | None |
| Hotel / airline status | Premium Car Rental Status, Fine Hotels & Resorts + Hotel Elite Status | None | None |
| Free nights & travel perks | No Foreign Transaction Fees, Travel Protections | None | None |
| Global Entry credit | Yes ($30/yr amortized) | Yes ($30/yr amortized) | No |
| Travel credit | CLEAR $209 + Airline $200 = $409 | Chase $250 + Travel $300 = $550 | None |
| Dining credit | $400 | $720 | $304 |
| Rideshare credit | $320 | $120 | $120 |
| Hotel credit | $600 | $500 | None |
| Entertainment credit | $240 | $300 | None |
| Fitness credit | $300 | $120 | None |
| Earning rate | 5X on flights direct or via Amex Travel (up to $500K/yr) · 5X on prepaid hotels via Amex Travel · 1X everything else | 8x on Chase Travel · 4x flights & hotels direct · 3x dining · 1x everything else | 4X at restaurants worldwide (up to $50K/yr) & U.S. supermarkets (up to $25K/yr) · 3X on flights booked direct or via Amex Travel · 5X on prepaid hotels via Amex Travel · 1X everything else |
| Best for | Frequent travelers who use lounge access and travel credits | Travelers who book through Chase Travel | Foodies and home cooks |
| Personalized net (your spend) | +$1,404 | +$1,545 | +$99 |
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