Amex Platinum vs Chase Sapphire Reserve (Which One to Get in 2022?)

In this video, we compare the Amex Platinum vs Chase Sapphire Reserve to see which credit card to consider applying for in 2022. The Amex Platinum card and Chase Sapphire Reserve card are 2 of the best travel credit cards in 2022 and can provide a lot of value if you are deciding if these cards are worth it. Personally, I have the Amex Platinum, but I chose the Sapphire Preferred over the Sapphire Reserve due to the annual fee.

The Amex Platinum credit card has many different credits and benefits that I go over in this video and if you can get enough value from them, then its a great credit card to have. The Sapphire Reserve has much less credits and benefits to keep track of, but this credit card works very well within a Chase Trifecta setup.

The Chase Sapphire Reserve vs Amex Platinum Card is a very popular debate within the credit card community, but I think both are great. These credit cards are definitely not for everyone, but if you travel a lot, then they certainly can be good to have in your wallet.

*These offers are subject to change. The current offers are listed as of the filming of this video.

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DISCLAIMER: Daniel Braun is not a financial advisor and the opinions in this video are his own. This video is for entertainment and educational purposes only, it is not financial advice. You must do your own research and should talk to professionals before making any financial decisions for yourself. This description contains affiliate links where Daniel Braun may receive a commission.

[Packerm]

Chase is amazing with points and redemption. BUT, AMEX still beats them slightly with their customer service. Not saying AMEX is perfect, they have room for improvements. But I'd rather book trip through a company that back their cardholders up even when they don't have to, then have easier redemption and if something happens you have to hope VISA will cover it. This is just my experience. And CHASE is closed on weekends, even with the travel cards. AMEX is 24/7.

[RonFel]

One thing to consider...Based on several experiences with both cards, I can say that Amex Platinum customer service is FAR superior. This is particularly true of the travel departments. Amex can't help you enough while Chase Ultimate Rewards travel (Expedia operated I think) is horrible when you run into issues. They put you on hold forever and then, in the end, you lose money.

[re-z]

A couple of things: Chase has monthly doordash, instacart, and lyft credits/subscriptions, which they don't publicize as much as Amex does theirs. So, chase also more than makes up for its annual fee, when the travel credit is added, it also has a much better-earning rate on daily purchases, and it is a VISA card, which for people who actually travel is much more widely accepted than Amex. It also has great travel insurance. I love Amex, but for me personally, most of the Platnum credits are useless. I have Amex Gold and CSR, which works well for me.

[davemartinez]

Thank you for another informative video.
I am a cheapskate at heart. Even though I have the AmEx Platinum. I got it primarily for my wife. I figured she put up with me for 38 years. She at the very least deserves airport lounges and fine hotels. I make it a point to travel somewhere three times a year. Usually it's to see our son. Amex is a pain in the ass to use. But I'm old and I don't mind the challenge. I also have the Chase Sapphire preferred and I thank you for showing me how to maximize the points

[JacobKustra]

Great comparison Daniel! Very good point with justifying the annual fees, especially with the platinum! It's absolutely so easy to see the value in the credits but it's so important to consider if you would've been spending that money even if you didn't have those credits. If yes, then that truly can help to justify the annual fee. If not, then you're still spending excess cash and not helping to justify the fee!

[Gard_Dawg]

Love the video! I currently have the CFU and Amex Gold. The one big factor which makes me lean more towards Amex platinum is bc you can book directly through airlines instead of the portal. I think having that with the CSP is a great duo

[anthonygardner]

Happy holidays, Daniel. It’s always good to assess credit card value, so I really appreciate this video. So far, I’m in the “both” camp. This was helped by getting a 40, 000 point Amex retention bonus a few weeks ago. Take care. Happy 2022!

[DCGEMINI]

If your active duty military, get both cards. The fees are waived for us and it makes sense to get it even if u dont use all the credits and benefits. Its a no brainer

[MikeMaye]

They are definitely two of the best travel cards out there. I have a love/hate relationship with my Amex Platinum and that exorbitant AF can be difficult to justify.. They are both somewhat of the same but different in terms of who should get either... THANKS DANIEL 👊🏽

[ChaseYokoyama]

Haha I like how you threw in the CSP recommendation. Because the Platinum and CSR are not meant for everyone and the CSP is a MUCH more viable option. But between the 2 travel cards I have to go with the Platinum. The Reserve has a nice travel credit but I just love the benefits and credits that the Platinum card offers.

[hothotheat]

They’re both great. For me, the Chase makes more sense because I can take advantage of the credits. I don’t have an Equinox near me. My home airport doesn’t have a Centurion Lounge, and I’m not at the airport early enough to hang out in the lounge, anyway. I don’t shop at Saks. The Chase has credits that are easier for me to use, and I can rack up points like crazy.

[stephen-finance]

Great video Daniel! You are really growing man! Love it! 👍
Love that you pointed out that credits only offset annual fees if you would have spent on those services regardless.
Really great cards though, I just made a video on these two and the Venture X.

[alyssalopez]

Amex Platinum for domestic travel and CSR for travel abroad cuz Visa is more widely accepted. I think Venture X has the best value though.

[darealphantom]

I can't wait to get both cards, I already have chase as a bank so it should be easy, this is one of the best comparisons I've seen I probably will go for the Platinum card first

[alvinmoore]

I have both and systematically use them for everything. New your channel, you have a new subscriber!

[duanes]

Amex is probably going to lose me in March, or maybe get the Amex Gold. I am an Equinox member and at first was excited to have a credit. Then I found out I would have to spend over $100 more to “save” $25 per month. I am going back to my Navy Federal Flagship Rewards Visa. When I use their points to get a free flight I not only get a free flight but the miles from the airline. Their redemption is one cent per point no matter how you redeem.

[FinancialFreedomMadeSimple]

Great comparison Daniel. Happy holidays!

[chriswilkes]

When I last tried to use my Priority Pass Select in a restaurant, they did not allow it on the Amex card. But they told me that if the card had been issued by Chase Saphire the $28 credit still worked.

[RaiderNation]

I travel atleast 3x a year and do uber alot lol. Also finally got approved for the amex so thats a milestone in my adulting lol

[justinlai]

Great video! I currently have the Gold and the BBP and was thinking about getting the Platinum to round out the Trifecta. The CSR is intriguing to me since it’d essentially be the same net AF as the Amex Platinum for me ($250). Would it make sense to get the CSR in my scenario (still under 5/24 but no other chase cards) or just stick with Amex?