earns points in the Chase Ultimate Rewards program, which has 10 airline partners and three hotel partners. The two cards have different bonus categories as well.
While we'll get more into the two cards' unique perks below, note that while both the Amex Platinum and Chase Sapphire Reserve offer, the Amex Platinum's access is limited to airport lounge locations, while Sapphire Reserve cardholders can use Priority Pass to get food and beverage credits at participating airport restaurants.
Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which will far outweigh the value of any points or miles. It's important to practice financial discipline when using credit cards by paying your balances in full each month, making payments on time, and only spending what you can afford to pay back.
The offers are relatively similar. Both Ultimate Rewards and Membership Rewards points are transferable — which is— although there are some other ways to use them, too. For example, you can redeem points for cash or put them toward travel purchased through each card's travel website — however, Chase will value your points at a higher rate in these scenarios than Amex will. Because of that, even though the Amex bonus is 10,000 points higher than Chase, I'd consider them a tie on value.
We use both
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