Sapphire Reserve vs Platinum

Updated September 24, 2026 · from RightCard's verified card and merchant data

Chase Sapphire Reserve earns more in 3 of 9 categories (restaurants, travel, transit & rideshare), American Express Platinum in 0, with 6 tied. Sapphire Reserve: $795 fee. Platinum: $895 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Sapphire Reserve	Platinum	Wins
Restaurants	3x points (5.4¢)	1x points (1.8¢)	Sapphire Reserve
Supermarkets	1x points (1.8¢)	1x points (1.8¢)	tie
Gas stations	1x points (1.8¢)	1x points (1.8¢)	tie
Travel	3x points (5.4¢)	1x points (1.8¢)	Sapphire Reserve
Online shopping	1x points (1.8¢)	1x points (1.8¢)	tie
Drugstores	1x points (1.8¢)	1x points (1.8¢)	tie
Transit & rideshare	3x points (5.4¢)	1x points (1.8¢)	Sapphire Reserve
Streaming	1x points (1.8¢)	1x points (1.8¢)	tie
Everything else	1x points (1.8¢)	1x points (1.8¢)	tie

Point values: Sapphire Reserve: Chase Ultimate Rewards at 1.8¢ toward travel; Platinum: Amex Membership Rewards at 1.8¢ toward travel. Cash out and most points are worth 1¢ or less.

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Sapphire Reserve	$795 fee	Annual Travel Credit ($300 yearly), Dining credit ($300 yearly), The Edit hotel credit ($500 yearly), Select Chase Travel Hotels credit ($250 yearly), StubHub credit ($300 yearly), Lyft credit ($10 monthly), Peloton membership credit ($10 monthly)	$1890 / yr
Platinum	$895 fee	Hotel Credit ($300 twice a year), Uber Cash ($15 monthly), Resy Credit ($100 quarterly), Digital Entertainment Credit ($25 monthly), lululemon Credit ($75 quarterly), Walmart+ Credit ($12.95 monthly)	$1935.4 / yr

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Carrying both

Together they cover 3 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Chase Sapphire Reserve in full → · American Express Platinum in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

Sapphire Reserve or Platinum: which earns more?

Chase Sapphire Reserve earns more in 3 of 9 categories (restaurants, travel, transit & rideshare), American Express Platinum in 0, with 6 tied. Sapphire Reserve: $795 fee. Platinum: $895 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Sapphire Reserve or Platinum?

Sapphire Reserve: $795 fee. Platinum: $895 fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 3 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card