Amex Platinum Refresh vs. Chase Sapphire Reserve Which Card Wins?

Amex Platinum Refresh vs Chase Sapphire Reserve (Quick Comparison)

Amex Platinum Refresh ($895 fee)

$600 Fine Hotels + Resorts credit

$400 Resy dining credit

$120 Uber One, $300 Lululemon, $200 Oura Ring, $25/mo digital entertainment

Centurion, Delta, Plaza Premium & Priority Pass lounges

Hilton Gold & Marriott Gold status

5x flights/hotels via Amex Travel

Best for: luxury perks, lounges, stacking credits
Chase Sapphire Reserve ($795 fee)

$500 Edit by Chase Travel credit (+ $250 hotel credit in 2026)

10x on hotels/dining via Chase Travel, 5x flights, 3x dining/travel

Priority Pass + Chase Sapphire Lounges

IHG Platinum Elite status

Strongest travel insurance (trip cancel, baggage delay, rental car, emergency evac)

Best for: higher rewards, flexible credits, top-tier protections

💡 Tips to Maximize Each Card

Amex Platinum Refresh

Book hotels through Fine Hotels + Resorts for free breakfast, upgrades, and late checkout (maximizes your $600 credit).

Use Resy dining credits quarterly — don’t let them expire.

Take advantage of multiple credits (Uber, Lululemon, Oura Ring, entertainment) — together they offset most of the annual fee.

Use lounges strategically: Centurion for premium experience, Priority Pass for global coverage.

Chase Sapphire Reserve

Always book through Chase Travel to get 5x–10x multipliers.

Transfer points to Hyatt for outsized hotel value, or to United/Air Canada for business class flights.

Max out the $500 Edit by Chase credit each year (luxury stays).

Use the travel protections — book flights/rentals with CSR to get free coverage that could save you hundreds in emergencies.

Видео Amex Platinum Refresh vs. Chase Sapphire Reserve Which Card Wins? канала Dave's Bucket (Amazing Travel Adventures)