Why a consultant recommends the Sapphire Reserve and Amex Platinum - Business Insider

to $550 — but it racks up 3 points per dollar on travel spending and dining. Travel spending includes both vacationing and everyday expenses, ranging from airfare and cruises to subway fare, and dining points can be earned on anything from DoorDash orders to high-end restaurants. The card also offers up to $300 in annual statement credits that are automatically applied whenever you use the card to make eligible travel purchases.

"I really like the American Express Platinum card because of the status and benefits for both myself as well as my family," he says. Like the Sapphire Reserve, this card has an annual fee of $550. "It helped me kick start status with hotel chains and car rental services until I had enough nights and points to actually get the status myself," he says. The Amex Platinum offers, giving cardholders complimentary upgrades, late checkouts, and more.

In addition to hotel status, he finds that the airport lounge access benefits make travel easier. "I have Delta Sky Club access, which I value quite a bit, especially if my flights get delayed," he adds. For frequent travel in and out Atlanta, which is a Delta hub, the

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