Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the The Platinum Card from American Express ($895/yr) and the Sapphire Reserve for Business℠ Credit Card ($795/yr) comes down to where you spend most. Chase Sapphire Reserve Business comes out ahead of Platinum Card from American Express at every spending level on the rates you earn anywhere: Platinum Card from American Express never earns enough more to cover its $100 higher annual fee. Enter your monthly spending above to see which comes out ahead for you.
Strongest in flights at 5% (up to $500,000/yr). 5X on flights and prepaid hotels through Amex Travel. Global Lounge Collection access.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply NowStrongest in flights and hotels at 4%. 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | The Platinum Card from American Express | Chase Sapphire Reserve Business |
|---|---|---|
| Annual Fee | $895 | $795 |
| Sign-Up Bonus | 175,000 points after $12,000 spend in 6 months | 200,000 points after $30,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 5% (up to $500,000/yr) | 4% |
| Hotels Rewards | 1% | 4% |
| Rates with conditions not counted in the rows above |
5% on prepaid hotels through Amex Travel Earns 5% only on prepaid hotels booked through American Express Travel, Amex's own booking site. Hotels booked direct earn 1%. |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| Key Benefits | 5X on flights and prepaid hotels through Amex Travel. Global Lounge Collection access. | 8x on Chase Travel, 4x on flights/hotels direct, 3x on ads. |
The Platinum Card from American Express pulls ahead for travel spending.
The $100/year fee difference means The Platinum Card from American Express needs to earn about that much more in rewards to justify its cost.
The Platinum Card from American Express carries $1,174/year in credits (mostly tied to specific merchants or bookings), while Chase Sapphire Reserve Business carries $2,110/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.