Amex Platinum vs.
Chase Sapphire Reserve
The clash of the titans. We compare annual fees, earning rates, lounge access, and hidden perks to help you decide which ultra-premium travel card deserves a spot in your wallet in 2026.
Lounge Access & Travel Perks
If lounge access is your primary goal, the Amex Platinum is the undisputed king. It grants access to the Global Lounge Collection, which includes Amex's own luxurious Centurion Lounges, Delta SkyClubs (when flying Delta), and Plaza Premium lounges.
However, the Chase Sapphire Reserve includes Priority Pass with restaurant credits—something Amex removed years ago. If your home airport has a Priority Pass restaurant (where you get $28 off your bill), the Sapphire Reserve might actually provide more tangible value on a weekly basis.
Earning Points on Daily Spend
The Sapphire Reserve wins the daily earning battle hands down. It earns 3x points on all travel and all dining worldwide. The definition of "travel" is extremely broad, covering everything from parking garages and toll booths to luxury hotels.
The Amex Platinum earns an incredible 5x points on flights booked directly with airlines, but a paltry 1x on dining and general travel. It is a terrible card for everyday spending, which is why most people pair it with an Amex Gold card.
The Verdict
Who should get the Amex Platinum?
- Frequent flyers who value airport lounge access above all else.
- People who already use Uber, Saks Fifth Avenue, and digital streaming services, making the credits easy to use.
- High-spenders booking expensive international airfare (to maximize the 5x multiplier).
Who should get the Sapphire Reserve?
- Those who want a simple, one-card solution for dining and travel.
- People who prefer a $300 credit that applies automatically to any travel purchase without jumping through hoops.
- Travelers who rent cars frequently (due to the primary rental insurance).