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Amex Platinum vs Chase Sapphire Preferred

Head-to-head across 5 dimensions — speed, privacy, value, and more. Scores are independent and not influenced by affiliate relationships.

Reviewed by the Clientele Research Team · Last checked 9 days ago (2026-07-15)
Amex Platinum
Most lounge access, comprehensive travel insurance, premium hotel perks
8.2/10
vs
Chase Sapphire Preferred
Best first travel card, 14 transfer partners, primary rental coverage at $95
8.4/10WINNER
SCORE BREAKDOWN
DIMENSION
Amex Platinum
Chase Sapphire Preferred
EDGE
Rewards Rate
Points or cash back earned per dollar on everyday spending categories …
7.0
7.5
Chase ↑
Welcome Bonus
The introductory offer value and the spend required to earn it. Scored…
9.0
9.0
Tie
Annual Fee Value
What the annual fee buys you in statement credits, perks, and benefits…
7.5
9.0
Chase ↑
Travel Perks
Lounge access, trip cancellation and delay protection, rental car insu…
9.0
8.0
Amex ↑
Flexibility
How usable and transferable your rewards are — including transfer part…
8.5
8.5
Tie
Overall Score
8.2
8.4
Chase wins
OUR VERDICT
Amex Platinum

Best for: Frequent travelers who fly 20+ times per year and can use Centurion Lounges, capped Delta Sky Club visits, and the $200 airline fee credit. The card's value depends on traveling enough to capture its stacked credits, and got harder to justify after the September 2025 fee increase to $895.

Apply for Amex Platinum
Chase Sapphire Preferred

Best for: First-time travel card holders who want access to Chase's full transfer partner network — including World of Hyatt and United — without paying the $795 Reserve fee. The $95 Preferred accesses the same 14 partners, and a June 2026 refresh added gas/EV charging and vacation rental bonus categories plus a Global Entry credit.

Apply for Sapphire Preferred
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