If you’re comparing premium travel credit cards in 2025, the decision often comes down to the Amex Platinum card or the Chase Sapphire Reserve. With both undergoing significant changes this year, it’s time to see which card truly delivers better value. Let’s explore what’s new, what’s improved, and which card is right for you.
What’s New in the Amex Platinum Card and Chase Sapphire Reserve 2025
Both the American Express Platinum and Chase Sapphire Reserve are rolling out big upgrades in 2025. With travel surging again, issuers are adding luxury-focused perks to stay competitive.
Amex Platinum Card 2025 Updates
More Centurion Lounge access including new locations in Tokyo, Salt Lake City, and Newark. Reservations through Tock at thousands of upscale dining venues. Expanded Fine Hotels & Resorts benefits. Possible annual fee increase to around $895 due to added perks.
Chase Sapphire Reserve 2025 Changes
Sleek redesigned metal card with luxury branding. Updated earning: up to 8X points on select travel, 4X on flights and hotels. New statement credits for StubHub, dining, Apple, Lyft, Peloton, and more. Annual fee expected to rise to $795.
Annual Fees and Cost Breakdown of Amex Platinum and Chase Sapphire Reserve
Understanding the cost of carrying a premium card is key to making a smart decision. Here’s how Amex Platinum and Chase Sapphire Reserve compare in 2025.
Feature | Amex Platinum Card | Chase Sapphire Reserve |
---|---|---|
Annual Fee | ~$695–$895 | ~$550–$795 |
Authorized User | $195/person | $75/person |
Foreign Transaction Fee | None | None |
While the Chase Sapphire Reserve may offer more value to families due to lower authorized user costs, the Amex Platinum card still packs value in lounge and hotel perks.
Travel Benefits of Amex Platinum Card vs Chase Sapphire Reserve
If you love to travel, both cards cater to you—but in different ways.
Amex Platinum Travel Perks
The amex platinum card continues to dominate with top-tier travel benefits. Centurion Lounge access, Delta Sky Club, and Priority Pass. VIP hotel upgrades, breakfast, and credits through Fine Hotels & Resorts. Automatic elite status with Hilton and Marriott.
Chase Sapphire Reserve Travel Benefits
The chase sapphire reserve focuses on flexibility and protection. Full Priority Pass Select lounge access. Strong trip delay and travel insurance coverage. Solid hotel perks through its Luxury Hotel & Resort Collection. If luxury lounges and hotel experiences matter, go with Amex Platinum. For everyday travel protection and flexibility, Chase Sapphire Reserve leads.
Dining and Lifestyle Credits: Amex Platinum vs Chase Sapphire Reserve
Both cards now offer lifestyle credits, but how easy are they to use?
Amex Platinum Card Credits in 2025
$200 Uber Cash annually. $200 Hotel Credit through Amex Travel. $240 Digital Entertainment Credit. $300 Equinox fitness credit. $100 Saks Fifth Avenue. The amex platinum rewards are luxurious but scattered across niche partners.
Chase Sapphire Reserve Credits in 2025
$300 Annual Travel Credit. $300 Dining Credit (Tables app). $300 StubHub Credit. $120 Lyft, $120 Peloton, $250 Apple Credit. The chase sapphire reserve has credits that are easier to redeem and appeal to a broader audience.
Points and Rewards Earning: Chase Sapphire Reserve vs Amex Platinum
Let’s compare how both cards reward your everyday spending.
Amex Platinum Card Reward Structure
5X points on flights and hotels through Amex Travel. 1X on general purchases. Redeem via Amex Membership Rewards, often better when transferred to partners.
Chase Sapphire Reserve Reward Rates
Up to 10X on travel via Chase Travel portal. 5X on flights and 3X on dining. Points worth 50% more when redeemed through Chase Travel. The chase sapphire reserve has broader earning and easier redemption options, while amex platinum is ideal for savvy users who transfer points.
Should You Choose Amex Platinum Card or Chase Sapphire Reserve in 2025?
Still unsure whether the amex platinum card or the chase sapphire reserve fits your lifestyle?
Choose Amex Platinum if: You want elite lounge access. You enjoy luxury hotel benefits. You’re fine managing multiple niche perks.
Choose Chase Sapphire Reserve if: You want a practical and flexible rewards program. You prefer easy-to-use travel and event credits. You want better travel insurance and lower authorized user fees.
Final Thoughts on Amex Platinum vs Chase Sapphire Reserve 2025
The battle between Amex Platinum and Chase Sapphire Reserve is heating up in 2025. While both offer premium experiences, the right choice depends on your lifestyle, travel habits, and how you use credits. For luxury travelers, the amex platinum card still dominates. For practical, everyday value and broader rewards, the chase sapphire reserve may be the better pick.