Nowadays premium cards are more popular than ever before. Two of the most well-known are the American Express Platinum Card® and Chase Sapphire Reserve® Card, and I know a lot of people struggle to decide which card is a better fit.
In this post, I’d like to take a closer look at that question — what are the pros and cons of both cards, and can it make sense to have both of them? I figure this is an especially interesting time to examine this, given that both cards underwent major refreshes in 2025.
One thing to know upfront: I hold both of these cards and pay both annual fees, so this isn’t a hypothetical exercise for me. I’ve also written up the full math on each card individually — whether the Amex Platinum is worth it and whether the Chase Sapphire Reserve is worth it— so this post focuses on the head-to-head question rather than repeating the card-by-card details.
A great solo travel tip spotted this week on One Mile at a Time.
