Head to head
Chase Sapphire Reserve vs American Express Platinum
Both cards verified September 14, 2026 or later · Methodology v2026.09.1 · Decided by net annual value — rewards minus the full annual fee, counting only credits that arrive automatically — not by who pays us.
Chase Sapphire Reserve
$795/yr
up to $1,928/yr more if you use its credits
American Express Platinum
$895/yr
up to $2,994/yr more if you use its credits
The verdict
Chase Sapphire Reserve wins 6 of 6 sample spending profiles — by about $723/yr on average where it leads. American Express Platinum doesn't win a single one outright.
Chase Sapphire Reserve — up to $1,928/yr more if you use its credits; the numbers here assume you don't.
American Express Platinum — up to $2,994/yr more if you use its credits; the numbers here assume you don't.
Below: net annual value for each card across six representative spending profiles. Your real numbers will differ — run them here.
Who wins, by how you spend
Net annual value — rewards minus the full annual fee, plus automatic credits only. The higher number wins each row; anything within $5/yr is called a tie. Open a profile to see the exact spending we ranked against.
Everyday balanced
A typical mix — some groceries and dining, a little travel, and a big catch-all bucket.
This profile's spending
grocery: $500/mo · dining: $300/mo · gas: $150/mo · travel: $150/mo · streaming: $40/mo · everything else: $1,200/mo · total $2,340/mo
Chase Sapphire Reserve
$115/yr
American Express Platinum
$-474/yr
Grocery-heavy family
A household cooking mostly at home — supermarkets are the top line.
This profile's spending
grocery: $900/mo · dining: $250/mo · gas: $250/mo · travel: $100/mo · streaming: $50/mo · everything else: $800/mo · total $2,350/mo
Chase Sapphire Reserve
$72/yr
American Express Platinum
$-472/yr
Dining-out foodie
Restaurants and delivery dominate the month.
This profile's spending
grocery: $250/mo · dining: $700/mo · gas: $100/mo · travel: $200/mo · streaming: $60/mo · everything else: $500/mo · total $1,810/mo
Chase Sapphire Reserve
$191/yr
American Express Platinum
$-569/yr
Frequent traveler
Flights, hotels, and rideshare are the biggest category.
This profile's spending
grocery: $250/mo · dining: $350/mo · gas: $120/mo · travel: $800/mo · streaming: $40/mo · everything else: $600/mo · total $2,160/mo
Chase Sapphire Reserve
$452/yr
American Express Platinum
$-506/yr
Heavy commuter
A long daily drive — gas is the standout category.
This profile's spending
grocery: $350/mo · dining: $250/mo · gas: $400/mo · travel: $100/mo · streaming: $30/mo · everything else: $700/mo · total $1,830/mo
Chase Sapphire Reserve
$-22/yr
American Express Platinum
$-566/yr
Big spender
High spend across every category.
This profile's spending
grocery: $800/mo · dining: $600/mo · gas: $250/mo · travel: $600/mo · streaming: $80/mo · everything else: $2,500/mo · total $4,830/mo
Chase Sapphire Reserve
$914/yr
American Express Platinum
$-26/yr
The fine print, side by side
Welcome bonus: Current offer shown; issuer determines eligibility.
These are six sample profiles. Yours is one.
Enter your actual monthly spending and we'll rank both of these — and every other card — by what they'd net you.
Run your numbersAdvertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Go deeper
Figures are estimates from our net-value model on fixed sample profiles, using the point valuations on our methodology page. Rates and fees change — verify on the issuer's site before applying.