Amex Platinum vs Venture X vs Sapphire Reserve
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Cost and value $895 fee$395 fee$795 fee
Sign-up bonus 175,000 points, about $3,50075,000 miles, about $1,388100,000 points, about $2,050
Earning rates Top rate 5xTop rate 10xTop rate 10x
- 5x via the issuer portal, about 9.2%
- 8x via the issuer portal, about 16.4%
- 5x via the issuer portal, about 10.0%
- 10x via the issuer portal, about 18.5%
- 8x via the issuer portal, about 16.4%
- 8x via the issuer portal, about 16.4%
- 5x Brand purchases
- 10x Car rentals and cruises (issuer portal)
- 10x Peloton equipment and accessories
- 5x Transit and rideshare
Statement credits $3,024 a year$330 a year$2,340 a year
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$120 every 4 years
What counts
Statement credit every 4 years for Global Entry application fee ($120) or up to $85 for TSA PreCheck application fee.
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$120 every 4 years
What counts
Receive up to a $120 credit for Global Entry or TSA PreCheck®. One statement credit processed per account every 4 years.
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$120 every 4 years
What counts
Receive one statement credit of up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee charged to your card.
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$200 a year
$15 every month
What counts
Add your Platinum Card to your Uber account to receive $15 in Uber Cash each month, plus a bonus $20 in December, to use on rides and orders in the U.S. when you select an Amex Card for your transaction.
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$120 a year
resets every year
What counts
Get up to $120 in statement credits each calendar year after purchasing an auto-renewing Uber One membership with the Card.
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$120 a year
$10 every month
What counts
Lyft members get up to $10 in monthly in-app credits, up to $120 annually, to use on rides through 9/30/27.
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$400 a year
$100 every 3 months
What counts
Get up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at over 10,000 qualifying U.S. Resy restaurants.
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$300 a year
$150 every 6 months
What counts
Up to $150 in statement credits January-June and again July-December (max $300 annually) for dining at restaurants in the Sapphire Exclusive Tables program on OpenTable.
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$240 a year
$20 every month
What counts
Two $10 DoorDash promos each month ($20 a month) for DashPass members, on groceries, retail and other non-restaurant orders, through 12/31/29.
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$180 a year
$15 every month
What counts
$15 monthly promo on any qualifying DoorDash order for DashPass members, available through 12/31/29.
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$600 a year
$300 every 6 months
What counts
Get up to $300 back in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel.
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$200 a year
resets every year
What counts
Earn up to $200 per calendar year in statement credits after incidental fees, such as checked bags and in-flight refreshments, are charged by your one selected qualifying airline to your Card.
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$100 per stay
What counts
$100 credit towards eligible charges with every booking of two nights or more through The Hotel Collection via AmexTravel.com.
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$300 a year
resets every card anniversary
What counts
Receive a $300 annual credit for hotels, flights, vacation rentals and more through Capital One Travel.
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$50 per stay
What counts
Lifestyle Collection hotel experience credit of up to $50 per eligible stay, applied at checkout to qualifying charges when you book a Lifestyle Collection hotel through Capital One Travel.
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$100 per stay
What counts
Premier Collection hotel experience credit of up to $100 per eligible stay, applied at checkout to qualifying charges when you book a Premier Collection hotel through Capital One Travel.
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$300 a year
resets every card anniversary
What counts
Up to $300 in statement credits for travel purchases each account anniversary year; qualifying purchases will not earn points.
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$250 a year
resets every year
What counts
Up to $250 in statement credits through 12/31/26 on prepaid Chase Travel hotel bookings with select brands (IHG, Montage, Pendry, Omni, Virgin Hotels, Minor Hotels, Pan Pacific), two-night minimum required.
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$300 a year
resets every year
What counts
Get up to $300 in statement credits each year at Equinox for an Equinox+ digital subscription or an Equinox club membership subject to auto-renewal.
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$300 a year
$25 every month
What counts
Get up to $25 in statement credits each month for eligible purchases with participating digital entertainment partners like Disney+, Hulu, NYT, etc.
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$300 a year
$75 every 3 months
What counts
Receive up to $75 in statement credits each quarter for eligible purchases at U.S. lululemon retail stores and lululemon.com.
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$155 a year
$13 every month
What counts
Get up to a $12.95 statement credit back each month after paying for a monthly Walmart+ membership.
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$300 a year
$150 every 6 months
What counts
Up to $150 in statement credits January-June and again July-December, for a maximum $300 annually, for StubHub and viagogo purchases through 12/31/27. Activation required.
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$200 a year
resets every year
What counts
Receive up to $200 in statement credits when you use the Platinum Card to purchase an Oura Ring at Ouraring.com each calendar year.
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$120 a year
$10 every month
What counts
$10 statement credit per month on eligible Peloton memberships, max $120 annually through 12/31/27 (activation required); plus earn 10x total points on eligible Peloton equipment and accessory purchases over $150 through 12/31/27.
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$219 a year
resets every year
What counts
Receive up to $219 in statement credits per calendar year after signing up and paying for a CLEAR+ Membership.
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$500 a year
resets every year
What counts
Statement credit of up to $250 per prepaid booking with The Edit, up to $500 annually, two-night minimum required.
Transfer partners 20 partners22 partners14 partners
Status, lounges and travel Avis Preferred Preferred Plus, Hertz Gold Plus Rewards President's Circle, Hilton Honors Gold, Leaders Club Sterling, Marriott Bonvoy Gold Elite, National Emerald Club Executive, 1 lounge benefitHertz Gold Plus Rewards President's Circle, 2 lounge benefitsAvis Preferred Preferred Plus, IHG One Rewards Platinum Elite, National Emerald Club Executive, 3 lounge benefits
- Avis Preferred: Preferred Plus after you enroll
- Hertz Gold Plus Rewards: President's Circle after you enroll
- Hilton Honors: Gold after you enroll
- Leaders Club: Sterling after you enroll
- Marriott Bonvoy: Gold Elite after you enroll
- National Emerald Club: Executive after you enroll
- Hertz Gold Plus Rewards: President's Circle after you enroll
- Avis Preferred: Preferred Plus after you enroll
- IHG One Rewards: Platinum Elite after you enroll
- National Emerald Club: Executive after you enroll
- With over 1,800 properties worldwide, booking Fine Hotels + Resorts through AmexTravel.com provides a suite of benefits with average total value of $550, including guaranteed 4pm checkout. $550,
- Bookings through The Edit by Chase Travel receive complimentary benefits such as a property credit, daily breakfast for two, and a room upgrade if available, average value over $550 per stay. $550
- Southwest Rapid Rewards A-List status through the following calendar year, after spending $75,000 in a calendar year.
- World of Hyatt Explorist status for the remainder of the calendar year through February of the following year, after spending $75,000 in a calendar year.
- IHG One Rewards Diamond Elite status for the remainder of the calendar year in which you qualify and the following calendar year, after spending $75,000 in a calendar year.
- Over $850 of annual value with access to Centurion Lounges, 10 complimentary Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass Select membership, and other select partner lounges. $850
- Venture X primary cardholders can enjoy access to 1,300+ participating lounges worldwide from Priority Pass.
- Venture X primary cardholders can enjoy access to Capital One Lounge and Landing locations.
- Complimentary access to Chase Sapphire Lounges by The Club and 1,300+ Priority Pass airport lounges worldwide with up to two guests, valued at over $850 annually. $850
- Complimentary access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass, for primary cardmember and one guest.
- Complimentary Priority Pass Select membership providing access to 1,300+ airport lounges worldwide; primary cardmember and authorized users each allowed up to two accompanying guests.
- 24/7 emergency assistance and coordination services including medical, legal, and financial referrals when traveling more than 100 miles from home.
- Platinum Travel Consultants provide custom itineraries and tailored recommendations for travel planning.
- Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value). $149
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
- Build and book a custom itinerary with a Reserve Travel Designer, valued at up to $300 per trip. $300
- With Points Boost offers, points are worth up to 2x on top booked hotels, including The Edit, and flights with select airlines through Chase Travel.
Protection and insurance 7 coverages1 coverage8 coverages
- If a round-trip paid for entirely with your Eligible Card is delayed more than 6 hours for a covered reason, reimburses certain additional expenses purchased with your Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.
- Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
- Covered for unreimbursed expenses up to $500 per covered traveler if common carrier travel is delayed more than 6 hours or requires an overnight stay.
- Reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage.
- Coverage for damage to or theft of a rental vehicle when you use your Eligible Card to reserve and pay for the entire rental and decline the CDW. Secondary coverage, does not include liability coverage.
- Primary coverage providing reimbursement up to $75,000 for theft and collision damage for most rental vehicles in the U.S. and abroad when you decline the rental company's collision insurance.
- Reimbursed for costs to repair or replace damaged or stolen cell phone, up to $800 per claim, limit 2 approved claims per 12-month period, $50 deductible per claim, when wireless bill is paid with Eligible Card.
- Protect your cell phone every time you pay your bill with your Venture X card. If it's stolen or damaged, you'll get reimbursed up to $800.
- Adds up to one extra year to the original manufacturer's warranty for warranties of 5 years or less, up to $10,000 per item and $50,000 per calendar year.
- Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
- Protection for eligible purchases against theft, damage, or loss for up to 90 days, up to $10,000 per purchase and $50,000 per calendar year.
- Covers eligible new purchases for 120 days against damage or theft up to $10,000 per item.
- May return eligible purchases to American Express if the seller won't take them back, up to 90 days from purchase, up to $300 per item and $1,000 per calendar year.
- Covered for medical services and transportation up to $100,000 for emergency evacuation during trips 100+ miles from home.
- Up to $1,000,000 in accidental death or dismemberment coverage when paying for air, bus, train or cruise transportation with your card.
- If you purchase a round trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, reimburses non-refundable expenses purchased with the same Eligible Card, up to $10,000 per trip and up to $20,000 per Eligible Card per 12 consecutive month period.
- Browse and add Amex Offers to eligible Card to earn extra rewards on qualifying purchases at select brands.
- You can be reimbursed for eligible items that the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
- Reimbursed up to $2,500 for medical expenses, subject to a $50 deductible, if sick or injured 100+ miles from home.
- Covered up to $50 per incident, 4 times a year for tow, battery assistance, tire change, locksmith or gas.
- Reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short.
- Provides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home.
Lifestyle and other perks 5 perks3 perks2 perks
- Enhanced experience at select stadiums/arenas with dedicated entrances/fast lanes; 10% back on qualifying concessions purchases up to $250 per calendar year after enrollment.
- Access to Amex Presale Tickets and Amex Reserved Tickets to select events across sports, music, and more, with additional perks at select events.
- Curated event experiences from sporting, fashion, fine dining, art, and performances exclusively for Platinum Card Members.
- Access to sought after reservations at participating top Resy restaurants on select nights.
- Special access to sought-after U.S. Resy restaurants when you add your Platinum Card to your Resy profile, including exclusive reservations and Priority Notify.
- Complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually. $324
- Complimentary DashPass membership for 12 months, a $120 value, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27. $120
- Refer friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they're approved.
- Your miles won't expire for the life of the account, so they're always there when you need them. Plus, there are no blackout dates.
- Add cardholders to your account, they can enjoy benefits and you will earn rewards on every dollar they spend.
Authorized users Some freeFreePaid
- Car rental loss and damage insurance
- Car rental privileges Avis Hertz National (Additional Platinum only)
- Cell phone protection
- Extended warranty
- Global Entry or TSA PreCheck fee credit
- Global lounge collection (Additional Platinum only)
- Hilton Honors gold status (Additional Platinum only)
- Leaders Club sterling status the leading hotels of the world (Additional Platinum only)
- Marriott Bonvoy gold elite status (Additional Platinum only)
- Purchase protection
- Return protection
- Trip cancellation and interruption insurance
- Trip delay insurance
- Capital One lounges (with the lounge add-on)
- Cell phone protection
- Hertz gold plus rewards status upgrade
- Priority Pass lounges (with the lounge add-on)
- Auto rental coverage
- Baggage delay insurance
- Chase Sapphire reserve lounge network
- Complimentary DashPass membership
- DoorDash monthly promos
- DoorDash monthly promos restaurant orders
- Emergency evacuation and transportation
- Emergency medical and dental
- Extended warranty protection
- Lost luggage reimbursement
- Priority Pass select membership
- Purchase protection
- Return protection
- Roadside assistance
- Travel accident insurance
- Travel and emergency assistance
- Trip cancellation and interruption insurance
- Trip delay reimbursement
Application rules 2/901 per 6 months5/24
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2/90
Community-reported
What counts
American Express generally approves at most 2 of its credit cards per 90 days.
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5 credit card limit
Community-reported
What counts
American Express generally limits you to 5 of its credit cards at once.
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10 charge card limit
Community-reported
What counts
American Express generally limits you to 10 of its charge cards at once.
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1 per 6 months
Rumored, inconsistent
What counts
Capital One is commonly reported to approve at most 1 of its cards per 6 months.
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5/24
Community-reported
What counts
Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.
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Once per lifetime
Issuer-stated
What counts
American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.
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Sapphire 48-month rule
Community-reported
What counts
You can earn a Sapphire sign-up bonus only once every 48 months.
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