Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Chase Sapphire Reserve?

The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 125,000 points (~$2,500) on the Chase Sapphire Reserve.

Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Chase Sapphire Reserve?

Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Chase Sapphire Reserve at $795/yr trades some perks for a lower commitment.

Can I have both the The Business Platinum Card from Amex and Chase Sapphire Reserve?

Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the The Business Platinum Card from Amex or the Chase Sapphire Reserve first?

Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. Chase Sapphire Reserve: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

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Side-by-side

The Business Platinum Card from Amex vs Chase Sapphire Reserve

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

Feature	The Business Platinum Card from Amex	Chase Sapphire Reserve
Annual fee	$895	$795
Sign-up bonus	150,000 Membership Rewards points	125,000 points
Bonus value (est.)	$2,700	$2,500
Min spend to unlock bonus	$20,000 in 3 mo	$6,000 in 3 mo
Issuer	American Express	Chase
Card category	business	travel
Best earning category (Flights_hotels_amextravel)	5x	1x
Transfer partners	amex-mr	chase-ur
Headline benefits	150k MR bonus $910 in shopping credits Centurion lounge access 35% flight rebate	$300 annual travel credit 8x on Chase Travel 4x on flights & hotels booked direct $500 The Edit hotel credit

Read the full review

The Business Platinum Card from Amex

$895/yr · 150,000 Membership Rewards points

Read the full review

Chase Sapphire Reserve

$795/yr · 125,000 points

Editorial take: The Business Platinum Card from Amex

Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

Editorial take: Chase Sapphire Reserve

Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.

The real-world take

TL;DR. Two premium $800+ cards from different sides. Sapphire Reserve ($795) is a personal travel card with Hyatt and United transfers, 8x on Chase Travel, and the new Sapphire Lounges. Business Platinum ($895) is a business card with Centurion Lounge access, 5x on Amex Travel flights/hotels, 1.5x on $5k+ purchases, and roughly $1,200 in Dell/Indeed/Adobe/Walmart+ credits. Reserve wins for personal travelers. Biz Plat wins for businesses that actually spend at Dell, Indeed, and Adobe.

The three dimensions that actually decide it. First, personal vs business. Reserve goes on your personal credit report; Biz Plat does not. If credit-utilization management matters, Biz Plat keeps high spend off personal report. Second, lounge access. Both have Centurion-tier or Sapphire-tier lounges. Biz Plat's Centurion access is unrestricted (cardholder); Reserve's Sapphire Lounge access is unrestricted in the new network. Roughly tied. Third, credits. Biz Plat's credits are vendor-specific (Dell, Indeed, Adobe); Reserve's are mostly broad (travel, dining, Apple).

Real customer scenario for each. If you are a small-business owner who spends on Dell hardware refreshes, Indeed job postings, and Adobe Creative Cloud, Biz Plat's credits genuinely net out and the welcome bonus (150k MR) is one of the largest in business cards. If instead you want a personal travel card with broader applicability, Reserve is the right choice.

The trap to avoid. Picking Biz Plat for the welcome bonus then never using the Dell, Indeed, or Adobe credits. The credits are real but require behavioral fit. If you do not buy from those vendors, treat Biz Plat's effective fee as the full $895.

Common questions

Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Chase Sapphire Reserve?: The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 125,000 points (~$2,500) on the Chase Sapphire Reserve.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Chase Sapphire Reserve?: Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Chase Sapphire Reserve at $795/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex and Chase Sapphire Reserve?: Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the The Business Platinum Card from Amex or the Chase Sapphire Reserve first?: Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. Chase Sapphire Reserve: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.