Deciding between Amex Platinum and Chase Sapphire Reserve? Compare the value of each card with our interactive engine. Prefer to use your actual spending data? Upload a CSV of your transaction data below to see which card works better for you. The analysis runs privately inside your browser.
Last updated May 2026
cents / pt
cents / pt
Sapphire Reserve
•••• •••• •••• 9999
Estimated Net ROI
$0.00
Annual Points Value
$0
Credits Value
$0
Annual Fee
$0
Organic Credit Checklist
|
Toggle credits you organically use+$0.00
Amex Platinum
•••• •••••• •9999
Estimated Net ROI
$0.00
Annual Points Value
$0
Credits Value
$0
Annual Fee
$0
Organic Credit Checklist
|
Toggle credits you organically use+$0.00
Simulate Your Earning Potential
Enter your estimated monthly spending in each category.
Verify with Real Spend
Real spending is irregular and unpredictable. Drag and drop a CSV or JSON file of last year's transactions below. We will calculate which card wins for you completely privately inside your browser.
1 month of transactions required for the analysis to run. At least 6 months of transactions recommended for accuracy.
Estimate Only: This sandboxed calculator uses automated keyword matching. To set custom merchant mapping rules, reclassify individual transactions, import multi-year statement logs, and track your whole credit card portfolio, use the Full Credit Card Value Tracker dashboard.
Chase Sapphire Reserve Wins!
This comparison reflects certain assumptions applied to the data you provided. This is not a financial recommendation. The “winner” can change with different spending, redemption values, or transfer rates.
ROI Metric (Actual Transactions)
Chase Sapphire Reserve
Amex Platinum
Total Classified Spend
$0.00
$0.00
Points Earned
0 pts
0 pts
Points Cash Valuation
$0.00
$0.00
Statement Credits Used (Auto-Detected)
$0.00
$0.00
Annual Fee Assessed
$0.00
$0.00
Actual Net ROI Value
$0.00
$0.00
Tie Breakers
The math above only covers earning. When the net values are close, consider the benefits each card offers.
* Not primary for NY residents with their own auto insurance, or abroad where you can't decline the agency's collision waiver.
Lounge AccessBroader networkAmex Platinum
Amex runs the wider network — Centurion Lounges are Platinum-only, on top of Priority Pass and Delta Sky Club access. The Reserve is closing the gap with its own Sapphire Lounges and a Priority Pass membership that still includes the restaurant credit Amex dropped.
Caveat: the Platinum bills you for Centurion guests below $75k in annual spend.
Hotel & Rental-Car StatusDepends
Benefit
Sapphire Reserve
Amex Platinum
Hotel Status
IHG Platinum Elite
Marriott Gold + Hilton Gold
Rental-car Status
National, Avis
Hertz, Avis, National Exec
Platinum covers the two biggest hotel chains; if you're loyal to IHG, the Reserve's single status outranks it.