Chase
Chase Sapphire Reserve
Similar Travel profile with a different fee and perk mix.
$795$1,250 bonus
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American Express
The Platinum Card from American Express
A premium travel rewards card focused on airport lounge access, travel benefits, and flexible Membership Rewards points.
Best for TravelBest for General spendingPointsPersonal cardExcellent credit
Year-one value
$705
Balanced assumption model with the welcome offer included.
Ongoing value
$705
Rewards plus usable credits minus the annual fee.
Welcome offer
None
No active welcome-offer hurdle in the dataset.
Usable credits
$976
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
$895
Year-one card cost
Credit needed
Excellent
Issuer approval tier
Required spend
No listed offer
No active spend hurdle
Offsetting credits
~$1,394/yr
Recurring credits in dataset
Bonus ROI
N/A
Needs a listed spend threshold
How You Earn
Where this card pays you back
Travel
5X Membership Rewards points on flights booked directly with airlines or through American Express Travel, up to $500,000 per calendar year, and on prepaid hotels booked through American Express Travel.
General spending
Credits And Perks
What actually offsets the fee
$400 Resy Credit
~$400/yrUp to $100 in statement credits each quarter for eligible Resy purchases, including dining at eligible U.S. Resy restaurants.
$300 Digital Entertainment Credit
~$300/yrUp to $25 per month in statement credits for eligible purchases with select digital entertainment partners.
$209 CLEAR Plus Credit
~$209/yrUp to $209 in statement credits per calendar year for an eligible CLEAR Plus membership.
