Editorial take: The Platinum Card from Amex
The granddaddy of premium cards with Centurion Lounge access, hotel elite status, and a mountain of credits. The $895 fee stings, but if you use even half the credits, you come out ahead.
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Side-by-side
The Platinum Card from Amex vs Sapphire Reserve for Business
Both are well-respected travel cards. The The Platinum Card from Amex comes from American Express at $895/yr; the Sapphire Reserve for Business 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 Platinum Card from Amex | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $895 | $795 |
| Sign-up bonus | 175,000 points | 200,000 points |
| Bonus value (est.) | $3,500 | $3,460 |
| Min spend to unlock bonus | $12,000 in 6 mo | $30,000 in 6 mo |
| Issuer | American Express | Chase |
| Card category | travel | business |
| Best earning category (Flights) | 5x | 1x |
| Transfer partners | amex-mr | chase-ur |
| Headline benefits |
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Read the full review
The Platinum Card from Amex
$895/yr · 175,000 points
Read the full review
Sapphire Reserve for Business
$795/yr · 200,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, The Platinum Card from Amex or Sapphire Reserve for Business?
- The The Platinum Card from Amex has the bigger bonus, 175,000 points, worth roughly $3,500, versus 200,000 points (~$3,460) on the Sapphire Reserve for Business.
- Is the The Platinum Card from Amex's $895 annual fee worth it compared to the Sapphire Reserve for Business?
- Premium cards like the The 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 Sapphire Reserve for Business at $795/yr trades some perks for a lower commitment.
- Can I have both the The Platinum Card from Amex and Sapphire Reserve for Business?
- 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 Platinum Card from Amex or the Sapphire Reserve for Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. The Platinum Card from Amex: $12,000 spend in 6 months. Sapphire Reserve for Business: $30,000 in 6 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.