Chase Sapphire Reserve vs. Amex Platinum

Check the perks you'd use, enter your spend, and see your real Year 1 and Year 2+ return — for one card, both, or neither.

PerkMath · Chase Sapphire Reserve vs. Amex Platinum ↗ FREE · NO AFFILIATE LINKS
Chase Sapphire Reserve
Amex Platinum
Both cards

Your spending & assumptions

Spend amounts are per:

Pre-filled with typical spending for a young professional in NYC — switch the period or edit any field to match yours.

Conservative default. The Points Guy values Chase UR at 2.05¢ (Jun 2026) at full transfer-partner value — raise it if you transfer to airline/hotel partners.
Conservative default. The Points Guy values Amex MR at 2.0¢ (Jun 2026) at full transfer-partner value — raise it if you transfer to partners.
Year 1 only — confirm live offer
Year 1 only — confirm live offer

Chase Sapphire Reserve

$795 annual fee · earns Chase Ultimate Rewards

Check a credit to count its full value, or click the slider icon to set a partial amount.

Amex Platinum

$895 annual fee · earns Membership Rewards

Check a credit to count its full value, or click the slider icon to set a partial amount.

How the math works. Net value = (credits you'll redeem + rewards earned on your spend) − annual fee. Year 1 adds the sign-up bonus; Year 2+ does not. ROI% = net ÷ annual fee. A card/both is "worth keeping" when its Year 2+ net is positive. Rewards use each category's points multiplier (shown on each field) times your point value. Check a credit to count its full value, or click its slider icon to set a partial amount (0 to full) — a $300 credit is only worth $300 if you'd use all of it. Lounge/status sliders are open estimates; Global Entry is amortized per year. Both cards assigns each spend category to whichever card earns more (so the same dollar is never counted twice), and splits identical credits like Global Entry 50/50.
Figures reflect the 2025 refreshed cards. Sign-up bonuses change often — confirm the live offer. Sources: CSR credits (TPG), Amex Platinum 2025 refresh, Chase press release.
Free, independent tool by PerkMath — open the full version for sources & how the math works ↗