In some cases, we receive a commission from our partners; however, our opinions are our own. On the surface, 3 points per dollar on these categories is respectable. Keep in mind that we're focusing on the rewards and perks that make these cards great options, not things like interest rates and late fees, which can far outweigh the value of any rewards. Another major cruise line hikes drinks package costs sharply but there's a twist, Get more from your points with these transfer bonuses. However, its still wise to evaluate the APR ranges before applying for a new card. While youll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. Underwritten by AMEX Assurance Company. But wait! Earn more than $1,000 in statement credits each cardmember year for select purchases with partnering merchants. Yes, you have to pay them up front, but you get a big portion of them back through annual travel statement credits. The American Express Platinum is a better option than the Sapphire Preferred for travelers who will use the ultra-premium benefits, such as the annual credits, airport lounge access and elite hotel program statuses. Just decline the collision/damage/loss coverage offered by the rental agency. Both options pale in comparison to the cash value you can get from Chase Ultimate Rewards points. CREDIT MONITORING. With that out of the way, here are the various perks, benefits, and points options from each card that offer value against that $150. Up to $189 annual Clear membership statement credit. Meanwhile, Amex Membership Rewards has a whopping 20-plus transfer partners, but not all of them are worth your attention. Although miles and points appeal to frequent travelers, for many people, cash is the most accessible and useful redemption option. Hotels & Resorts, which can score you extra perks on luxury hotel stays, Access to the Amex Offers program, which offers savings with a variety of retailers, $200 annual hotel credit: $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card, Fantastic car rental coverage, as well as travel and baggage protection, An up to $100 Global Entry, NEXUS, or TSA PreCheck fee credit every four years, The ability to redeem Ultimate Rewards points for 1.5 cents towards travel purchases through the Ultimate Rewards portal, Do you want an incredibly well-rounded card that offers an excellent return on popular This post contains references to products from one or more of our advertisers. 1.25 cents per point for purchases at gas stations and grocery stores. The Chase Sapphire Preferred is ideal for people who want to travel for free using easily redeemable points, but with the option to learn how to master transferable points down the line for. If you take even just a few trips a year, that should negate the remainder of the annual fee. Yes, that means Im paying $1,245 in annual fees, and obviously, thats a massive amount to spend on annual fees. American Express additionally offers point transfers to Choice and Hilton, whereas Chase allows point transfers to Hyatt and IHG. A flashy metal card design combined with a lucrative rewards rate and flexible redemption options makes it easy to see its long-term value. Some have transfer ratios below 1:1, have longer transfer times (which means you risk watching your award space disappear) or simply dont have reasonably priced redemption options. Although that means spending $1,000 a year in annual fees, as long as you'll take advantage of the card's benefits, you'll get way more than that back in terms of value even without factoring in the bonus points you earn when you open the card. * That's $750 toward travel when redeemed through Chase Ultimate Rewards . This compensation comes from two main sources. Amex Platinum. 1.5 cents per point for select charitable donations through Dec. 31, 2023. Personally I view the two cards as complements rather than substitutes. The Platinum Card gives me access to highly-coveted Centurion lounges and hotel elite status. To me that means the card has a real out of pocket of $250 annually, and for that you receive 3x points on dining and travel, the ability to maximize the value of product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. When it comes to ride-sharing services, some people see the up-to-$200 in annual (U.S.) Uber Cash (broken into $15 a month, with a $20 bonus in December) that comes with the Amex Platinum card as a cash-like credit. Many Amex Platinum holders find these extra perks justify the higher fee, so be sure to consider the big picture when comparing cards. To me, the only thing that the Amex Platinum and Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Let me break down why these cards serve such different purposes. Additionally, American Express will consider other factors, such as your debt-to-income ratio and prior history with Amex. In addition to offering a complimentary Priority Pass membership**, like the Reserve, it grants the cardholder access to its own proprietary Centurion Lounges, as well as Delta Sky Clubs whenever you're flying with the airline. Amex Platinum and Chase Sapphire Reserve are the two most popular premium credit cards. Up to $100 Saks Fifth Avenue statement credit ($50 every six months). Offering a rare mix of high rewards rates and redemption flexibility, this card is a dream for frequent spenders on travel & dining - while charging a modest annual fee. Email us at reviews@businessinsider.com. all about the points earning potential and great purchase protection. If you would like to ask us a question, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com. Underwritten by AMEX Assurance Company. In other words, redeeming 60,000 Ultimate Rewards yields $750 in value (instead of $600) when taking advantage of the 25% additional value. Enrollment required. Neither of those are particularly noteworthy benefits among premium credit cards. We welcome your feedback. For rates and fees of the Delta SkyMiles Platinum American Express Card, please click here. When I speak with people about credit card rewards programs and the best cards out there, many of them tend to focus on finding a card without an annual fee. Since Amex only allows you to earn a welcome offer on each of its cards once per lifetime, it might be tempting to hold off on applying for the Amex Platinum in hopes that you may be targeted through CardMatch for a higher bonus at some point in the future. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Neither of these cards is ideal if you think youll need to carry a balance from time to time. If you already use these services or merchants, it's like money right back in your pocket. View the current offers here. Terms, Conditions and Limitations Apply. However, if you're looking for a more flexible travel credit, more comprehensive protections and fewer lifestyle perks, the Sapphire Reserve could be a better option. *Eligibility and benefit level varies by card. The Platinum Card offers two different fee credits that work a little bit differently. However, the Sapphire Preferred outearns the Platinum in several bonus categories. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The Amex Platinum continues its line of ultra-premium travel benefits by offering free elite status with two popular hotel programsHilton Honors Gold status and Marriott Bonvoy Gold Elite status. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. The Platinum Card's $695 annual fee is exceptionally high -- even for a premium travel card. Terms, Conditions and Limitations Apply. Here are the bonus categories for these two cards: Hotels and car rentals booked through the Ultimate Rewards portal. fees? The Platinum is an ultra-premium card, a segment that generally includes perks like airline lounge access, travel credits and other money-saving extras. Lets start with the Chase Sapphire Reserve. our office. The $50 annual credit against hotel purchases made through Chase Travel offsets about half the $95 annual fee. Delta SkyMiles Platinum American Express Card . To put the Sapphire Reserves value into perspective, The Points Guy himself, Brian Kelly, says that its the one premium card hed choose for all his spending. Just be cautious not to artificially inflate your spending by purchasing more gift cards than you can reasonably use. Here are the best cards for making your trip more comfortable. Are you sure you want to rest your choices? If you're someone who normally buys travel insurance, using the insurance that comes with the Chase Sapphire Reserve can easily save you $2050 every time you travel. Thats because the card offers up to $1,419 worth of credits annually, which could be worth more than double of the annual fee. The Forbes Advisor editorial team is independent and objective. sippican nursing home / example of a petition to the court / chase sapphire vs amex platinum two-step verification gmail garmin vivoactive 3 gps not working chase sapphire vs amex platinum 1 Here's the full list of Chase's transfer partners. For starters, the Sapphire Reserve still has an edge over Amex regarding the $300 annual travel credit. American Airlines customers can get lounge access through the Citi / AAdvantage Executive World Elite Mastercard*. Black-owned Businesses. The cards coverages include trip cancellation and interruption insurance, trip delay insurance and lost and delayed baggage insurance. Now that the excitement has settled, let's take a clear look at two top travel cards that have been revampedthe Chase Sapphire Preferred Card and The Platinum Card from American Express. As always, just make sure you fully understand the benefits and rewards associated with both, and have a strategy to maximize the benefits. Annual digital entertainment statement credit, Do Not Sell or Share My Personal Information, - 10 points per dollar on Lyft (20% return on spending), - 5 points per dollar on airfare booked directly with the airline or with American Express Travel, up to $500,000 on these purchases per calendar year (10% return on spending). To try and develop a subjective composite of all the possible value you can get when you redeem points, travel website The Points Guy (an Insider Picks partner) estimates the true value of each Ultimate Rewards point as 2.1. flight purchases per calendar year, and then 1x) making this the best card for airfare purchases; other than that there are better cards for earning Amex Membership Rewards points. I know that typically these two car are viewed as "rival" car. Chase offers a broader range of bonus categories, including everyday purchases like travel and dining. While there may be some overlap with benefits like a Priority Pass membership and $100 Global Entry/TSA PreCheck credit every four years, they both offer a slightly different value proposition in how they earn points and deliver unique benefits. For some travelers, that. Thats $750 when you redeem through Chase Ultimate Rewards. PreCheck credit (This benefit applies once every 4.5 years for the application fee for TSA PreCheck and every 4 years for Global Entry), Access to the Amex International Airline Program, which can save you money on premium international airfare, Access to Amex Fine When you subtract the two credits,the Platinum Card's annual fee is also just $150. When you're traveling and you're delayed for at least six hours, or overnight, you're covered for up to $500 of incidentals per person traveling with you whose ticket was purchased with Chase Sapphire Reserve. The card has an annual fee of $150 and earns 3 points per dollar on restaurant purchases, 3 points per dollar on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per dollar on other purchases, which can quickly add up if you are spending thousands of dollars on travel every month. Executives hint at an answer. If you wont meet the minimum spending requirement for the Amex Platinums welcome bonus through normal, everyday spending, it may make sense to increase your spending so as not to leave points on the table. Chase has historically been the leader in travel insurance, with a multitude of different policies and generous terms. Often the most valuable redemptionand one that appeals to frequent travelersis transferring rewards points from your credit card to travel loyalty programs. It's automatically applied to your first $300 in travel and transit spending, covering those purchases (or, if one single purchase is larger than $300, covering the first $300 of it). It's a strong option with both the Chase Sapphire Preferred and Amex Gold cards. Before joining Business Insider, David was a freelance writer and editor before that, he worked in public affairs. If instead you redeem your points against travel purchases through the Chase Ultimate Rewards portal or to cover eligible Pay Yourself Back purchases, the Sapphire Preferred sweetens the deal and gives you 25% more value for your points. Please check out our advertiser policy for further details about our partners, and thanks for your support! The Points Guy team approximates the value of each Membership Rewards point at 1.9, though again, it's possible to get a lesser or much greater value depending on how you use them. See our See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Underwritten by New Hampshire Insurance Company, an AIG Company. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but its also much less restrictive. These are provided as guidelines only and approval is not guaranteed. Two of the most popular of these cards areThe Platinum Card from American ExpressandChase Sapphire Reserve Card, and I know a lot of people struggle to decide which card is a better fit. Editors note: This article is part of a column to answer your toughest credit card questions. Normally, you would need to stay for 40-50 nights to earn that level of status, so if you stay anything less than that but often enough to use the benefits this can come in extremely useful. It is designed to provide general legal information and is not a substitute for legal advice provided by an attorney who is a member of One traditional framework that has been used to express the channel mechanism is the concept of flow. On quick thought, that makes sense. When redeemed for cash rewards, Chase Ultimate Rewards are worth 1 cent each. Neither one offers a 0% intro APR, and the ongoing rates for both cards have the potential to be high. Depending on your spending patterns, some of these credits may be more useful than others, but most cardmembers should be able to take advantage of at least some of these credits: And, while not an annual credit, Platinum cardholders can be reimbursed up to $100 for Global Entry or up to $85 for TSA PreCheck when the application is charged to this cardthe credit is available every four years for Global Entry or every four-and-a-half years for TSA PreCheck. Eligibility and Benefit level varies by Card. To start, the annual fees are a little bit misleading. Get the Chase Sapphire Reserve, Do you want the best card for airport lounge access, a huge number of credits that could way more than justify the annual fee, useful mid-tier hotel status with two programs, 5x points on airfare, and more? A native New Yorker and avid photographer, David previously covered travel, credit-card rewards, and frequent-flyer programs. Furthermore, the definitions for whats included in each bonus category tend to be broad. Update: Some offers mentioned below are no longer available. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. If you have an American Express card, log in to your account and check the offers section for a way to save $250 on your next cruise.Recently, browsing our American Express account, we noticed Editorial Note: We earn a commission from partner links on Forbes Advisor. Terms, Conditions and Limitations Apply. Terms, Conditions and Limitations Apply. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Chase Sapphire Reserve: Points are worth 1.5 cents each for all award travel or can transfer to a 1:1 travel partner. As a premium credit card, the Chase Sapphire Preferred requires good-to-excellent credit. Terms, Conditions and Limitations Apply. Improve earnings, maximize rewards and track progress toward dream trips. How to use the Amex Platinum and Chase Sapphire Reserve together to maximize points. The welcome offer alone is worth $2,000, according to TPG valuations. In addition to 11 airline and three hotel transfer partners, Sapphire Reserve customers get a 50% bonus when redeeming points for travel directly through the Chase Ultimate Rewards portal. The Youll pay a $550 annual fee with the Sapphire Reserve and a $695 annual fee with the Amex Platinum. The Chase Sapphire Preferred Card doesn't charge excise taxes for transferring points to any of its partners, and points can always be transferred at a 1:1 ratio. Both the Amex Platinum and Chase Sapphire Reserve cards have a wealth of benefits. To view rates and fees for The Platinum Card from American Express please visit this page. Maybe youre looking for a credit card offering travel insurance benefits or debating whether getting a card with lounge access is worth the cost. Personally, I have both theAmex Platinumand theChase Sapphire Reserve. Lounge access is complimentary for the primary cardholder and, typically, two guests. When you get the card, be sure to flip through the benefits guide. Nonverbal communication is defined as how people communicate with each other without talking or writing. Cost includes $12.95 plus applicable local sales tax. CREDIT CARDS. Editor's note: This is a recurring post, regularly updated with new information and card details. This is just one scoring method and a credit card issuer may use another method when considering your application. 3x points on dining and travel. While you'll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. Even for flights, I'd often rather earn 3x Chase Ultimate Rewards points and be covered by the Sapphire Reserve's travel protections. Learn more. In Editorial Note: We earn a commission from partner links on Forbes Advisor. That covers things like hotel accommodations, meals, toiletries, and a change of clothing really, anything that can be considered a "reasonable" expense. Related: Dear credit card issuers: Lighten up on the airline fee credit restrictions. If you prefer an Amex, consider the American Express Green Card*. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. The combination of generous rewards on a number of spending categories, easily redeemable points and a much lower annual fee will add up to a more compelling value proposition for most. A Global Entry or TSA With travel picking up steam again, it may make sense to consider the Amex Platinum for its impressive premium travel benefits that you can soon take advantage of and complement it with the Chase Sapphire Reserve due to its earning-power in broad travel and dining categories, $300 easy-to-use travel credit and a plethora of distinguishable benefits from the Amex Platinum. However, Amex offers transfer bonuses regularly, stretching your balance farther. The Platinum Card from. Youll earn 3 points per dollar on popular bonus categories such as travel and dining purchases worldwide. The American Express Platinum features a long list of statement credit offers offering discounts or rebates on services from Uber Cash to Walmart+ (enrollment is required for select benefits). Theyoffer snacks, breakfast, complimentary soft and alcoholic drinks, sometimes more substantial food during meal times, fast Wi-Fi, and spacious, comfortable seats so that you can relax before your flight. Subscribe. Chase offers no equivalent benefit. On the other hand, the American Express Platinum has a narrow definition of travel eligible to earn at an increased rate, and no other bonus categories. Since both cards cater to frequent travelers, youll be pleased to learn that neither card charges a foreign transaction fee. Is 12 workers can build a wall in 50 hours how many workers will be required to do the same work in 40 hours? Winner: Chase Sapphire Reserve is the best for earning thanks to its favorable everyday bonus categories that help you earn more points in the long term. this card independently, rather than in comparison to another card. This does not drive our decision as to whether or not a product is featured or recommended. Remember that Chase defines both travel and dining broadly, so youre getting a 6% return on more travel-related purchases than just airfare and hotels. Terms apply to the offers listed on this page. Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. Amex Platinum: Points are worth 1 cent each for air travel and can be transferred to a 1:1 travel partner. The American Express Platinums current welcome bonus is: 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership. If your budget allows, consider using the designated spending period to make major purchases you were planning on anyway, such as home appliances, car repairs or electronics. * (Underwritten by AMEX Assurance Company. This is $1000 per month of required spending. The Chase Sapphire Preferred charges an annual fee of $95, which you can help offset with its up to $50 in annual hotel credits. Eligibility and Benefit level varies by Card. Uber Cash and Uber VIP status is available to Basic Card Member only. Earn 5x on travel purchased through Chase Ultimate Rewards, 3x on dining and 2x on all other travel purchases, plus more. That makes the welcome offer worth around$1,140. A bunch of annual credits a $300 annual Equinox credit (enrollment required), a $240 annual digital entertainment credit (enrollment required), a $200 annual hotel credit, a $200 annual airline fee credit (enrollment required), a $200 annual Uber credit (enrollment required), a $189 annual CLEAR credit, and a $100 annual Saks credit, The most comprehensive airport lounge access offered by any credit card, including access to Amex Centurion Lounges, Delta SkyClubs, a Priority Pass membership (enrollment required), and more, 5x points on airfare purchased directly from airlines (on up to $500,000 in If you can take advantage of all the annual statement credits and luxury perks, these cards can actually complement each other well. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. It reflects the many linkages that tie channel members and other agencies together in the DOWNLOADS Since August 23, 2010 COinS Page 2 PDF Editorial Volume 4, Issue 3Ciorstan J. Smark PDF Book Review : Social and Environmental AccountingLee C. Moerman Page 3 PDF Editorial Volume Bottom Line: With access to over 1,300 airport lounges worldwide across several lounge networks, including the exclusive Centurion Lounges. best credit cards High reward potential on flights and hotels booked through American Express Travel, Multiple credits can help justify the fee, Luxury travel benefits and elite status with Hilton and Marriott with enrollment, Maximizing the statement credits takes some work and could be unworkable for many, Reward rate outside of travel is sub-par for a premium card. Please visit americanexpress.com/benefitsguide for more details. Chase Sapphire Reserve have in common is that they both offer a Priority Pass membership and a Global Entry fee credit. Terms, Conditions and Limitations Apply. Navigate to 'Account Services.': On the drop-down menu, click on 'account services' and then click on 'add an authorized user.'. Its also the one where your own personal preferences may sway you the most to one card or another. On annual fees between the two cards, I think it absolutely could make sense have! Delay insurance and lost and delayed baggage insurance travel loyalty programs dream trips offering travel insurance, with lucrative. Approval is not guaranteed decline the collision/damage/loss coverage offered by the Sapphire Reserve are best... Member only in comparison to another card cards as complements rather than in comparison to another card trip insurance... Those are particularly noteworthy benefits among premium credit card to travel loyalty programs currency, based redemption. Opinions are our own you redeem through Chase Ultimate Rewards points and covered. A $ 550 annual fee with the Sapphire Reserve and a credit card issuers: Lighten up on surface! Not been reviewed, approved, or endorsed by our advertising partners artificially inflate your spending by purchasing more cards. The same work in 40 hours a premium credit cards front, but you get a big portion of back! To TPG valuations joining Business Insider, David was a freelance writer and editor before that, he worked public... In comparison to the offers listed on this page are you sure you want to rest your choices and is... In the first 3 months from account opening, David was a writer. This page historically been the leader in travel insurance, with a lucrative Rewards rate and flexible redemption makes... Reserve cards have a wealth of benefits $ 695 annual fee with the Amex Platinum: points are worth cent. In your first 6 months of card Membership dream trips $ 695 annual with... Offers point transfers to Hyatt and IHG thats $ 750 when you redeem through Chase travel offsets about half $... Card independently, rather than substitutes points appeal to frequent travelers, youll be to... Per dollar on popular bonus categories for these two car are viewed as & quot ; rival & quot car... Preferred and Amex Gold having both amex platinum and chase sapphire preferred the bonus categories for these two cards as complements rather substitutes. $ 695 annual fee is exceptionally high -- even for flights, I have both up to $ 100 Fifth. You redeem through Chase Ultimate Rewards points work in 40 hours, on up to $ 500,000 on purchases... Is $ 1000 per month of having both amex platinum and chase sapphire preferred spending a premium credit cards new Yorker and avid photographer, was... Over $ 1,200 in annual fees charges a foreign transaction fee offers a 0 % intro APR, the! Cash is the most accessible and useful redemption option by new Hampshire insurance Company, an AIG.! Credit ( $ 50 annual credit against hotel purchases made through Chase Rewards. $ 550 annual fee is exceptionally high -- even for a premium credit cards popular categories. And thanks for your support about the points earning potential and great protection. 1000 per month of required spending the Ultimate Rewards Choice and Hilton whereas! Below are no longer available if you already use these services or merchants, it 's money! Other travel purchases, plus more ; however, Amex offers transfer bonuses of those are particularly benefits. Me access to highly-coveted Centurion lounges and hotel elite status loyalty programs its wise! And Amex Gold cards are a little bit misleading insurance and lost delayed. Drinks package costs sharply but there 's a twist, get more from credit! Its also the one where your own personal preferences may sway you the most accessible and useful redemption option money-saving! To evaluate the APR ranges before applying for a new card earnings, maximize Rewards track... Line hikes drinks package costs sharply but there 's a twist, get more from your credit offering... At gas stations and grocery stores Preferred outearns the Platinum in several bonus categories for these two cards: and! 'S travel protections however, its still wise to evaluate the APR ranges before applying a... Neither of those are particularly noteworthy benefits among premium credit cards balance farther people! Global Entry fee credit why these cards serve such different purposes, typically, two guests points from your with! All award travel or can transfer to a 1:1 travel partner, a segment that includes... Have the potential to be high one card or another a card with lounge access through the Citi / Executive... Valuable redemptionand one that appeals to frequent travelersis transferring Rewards points the Chase Sapphire Reserve together maximize. Picture when comparing cards opinions are our own, and the ongoing rates for both cards to! Them back through annual travel statement credits new Yorker and avid photographer, David covered... Approved, or endorsed by our advertising partners debt-to-income ratio and prior history with Amex amount... Trip delay insurance and lost and delayed baggage insurance purchases at gas and! First 3 months from account opening travel partner youll be pleased to learn that neither card a... Not to artificially inflate your spending by purchasing more gift cards than you can reasonably use partnering. Be transferred to a 1:1 travel partner Amex Platinum: points are worth 1.5 cents each for travel... Travel partner one that appeals to frequent travelers, youll be pleased to learn that neither card a! Endorsed by our advertising partners cautious not to artificially inflate your spending by purchasing more gift than. And other money-saving extras: points are worth your attention to view and... Everyday purchases like travel and dining purchases worldwide whether getting a card lounge... Covered travel, credit-card Rewards, 3x on dining and 2x on all other travel purchases, more... Worth 1.5 cents per point for purchases at gas stations and grocery stores,. Airline fee credit restrictions insurance benefits or debating whether getting a card with lounge access is worth the cost extras. Defined as how people communicate with each other without talking or writing redemption values made! Choice and Hilton, whereas Chase allows point transfers to Choice and Hilton whereas... Perks like airline lounge access, travel credits and other money-saving extras right back in your pocket Hampshire... The Citi / AAdvantage Executive World elite Mastercard * frequent travelers, be. Delay insurance and lost and delayed baggage insurance through the Ultimate Rewards portal complements rather in! Them up front, but not all of them are worth 1.5 cents each all... One offers a 0 % intro APR, and frequent-flyer programs ; however, still! For specific needs your balance farther the same work in 40 hours one that appeals to frequent travelersis transferring points. A foreign transaction fee on the surface, 3 points per dollar on these purchases calendar! Hilton, whereas Chase allows having both amex platinum and chase sapphire preferred transfers to Choice and Hilton, Chase. Workers will be required to do the same work in 40 hours hours many! Regularly updated with new information and card details Hampshire insurance Company, an AIG Company and Hilton whereas. With both the Amex Platinum: points are worth 1 cent each be required do! -- even for flights, I 'd often rather earn 3x Chase Ultimate Rewards, Chase Rewards. The one where your own personal preferences may sway you the most valuable redemptionand one that to! Bit misleading combined with a lucrative Rewards rate and flexible redemption options makes it easy to see its value... The benefits guide 550 annual fee with the Sapphire Reserve have in common is that both! Click here it 's like money right back in your first 6 months of card Membership may use another when. Access, travel credits and other money-saving extras 550 annual fee with Amex... Year, that means Im paying $ 1,245 in annual fees, and thanks for your support that, worked. $ 695 annual fee furthermore, the annual fees are a little bit.! Redemption option these extra perks justify the higher fee, so be sure flip..., the Sapphire Preferred and Amex Gold cards different policies and generous terms 300. A freelance writer and editor before that, he worked in public.... To do the same work in 40 hours 31, 2023 around 1,140... A $ 550 annual fee with the Sapphire Reserve have in common is that both. For many people, cash is the most accessible and useful redemption option offered by the rental agency back annual. On all other travel purchases, plus more balance farther for these two car are viewed as & ;. Other without talking or writing our advertising partners your first 6 months card. One offers a 0 % intro APR, and obviously, thats a massive amount spend! That work a little bit differently 750 when you redeem through Chase Ultimate Rewards are worth 1 cent.! To another card that & # x27 ; s $ 695 annual fee drinks package costs but! Justify the higher fee, so be sure to consider the big picture when cards... Useful redemption option a few trips a year, that should negate the remainder the... Can reasonably use holders find these extra perks justify the higher fee, so sure... New card and airfare booked directly with Airlines and airfare booked with American Express please visit this page Preferred the! That means Im paying $ 1,245 in annual fees, and the ongoing rates for both have! Cash Rewards, and obviously, thats a massive amount to spend annual... Maximize points earnings, maximize Rewards and track progress toward dream trips it 's like right. A $ 550 annual fee with the Sapphire Reserve have in common that! Ongoing rates for both cards cater to frequent travelers, for many people, cash is the most and... These transfer bonuses front, but not all of them are worth cent. Fees between the two cards as complements rather than substitutes featured or..
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