Lets start with the Chase Sapphire Reserve. The American Express Platinum card charges an annual fee of $695, and Chase Sapphire Reserve charges $550 per year. The Chase Sapphire Preferred charges an annual fee of $95, which you can help offset with its up to $50 in annual hotel credits. Please visit americanexpress.com/benefitsguide for more details. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or This site does not include all credit card companies or all available credit card offers. Although miles and points appeal to frequent travelers, for many people, cash is the most accessible and useful redemption option. Ryan is wondering whether it makes sense to add The Platinum Card from American Express (winner of TPGs battle of the premium cards) to his wallet, as the card provides a tremendous lineup of perks and benefits. Eligibility and Benefit level varies by Card. For starters, both cards feature airport lounge access and additional travel and food delivery credits, among other benefits. This card shines for this use, but overall the star ratings may differ when compared to other cards. While youll pay over $1,200 in annual fees between the two cards, I think it absolutely could make sense to have both. Unless you value the airline lounge access or can take advantage of the American Express Platinums many potential credits, most people will find greater value overall with the Chase Sapphire Preferred. Nowadays premium credit cards are more popular than ever before. IHG Rewards Premier credit card. Improve earnings, maximize rewards and track progress toward dream trips. If you frequently purchase airfare that would qualify for 5 points per dollar, this card deserves a spot in your wallet. He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK. Why should you spend money on an annual fee just so that you canspend money with a credit card? Chase has extended Pay Yourself Back option to Southwest cards but is it worth it? Platinum Card by American Express Interest Rates: Earn 5 Membership Rewards points per dollar on prepaid hotels booked with American Express Travel; earn 5 Membership Rewards perRead More. The Theres a minimum earning rate of 1 point per dollar spent. Underwritten by New Hampshire Insurance Company, an AIG Company. Enrollment required. The card also comes with trip cancellation/interruption coverage. Learn more. The cards, however, actually complement each other quite well. Plus, enjoy premium rental car status with Avis, Hertz and National. Editorial Note: We earn a commission from partner links on Forbes Advisor. That's worth $360 as cash, $540 as travel purchased through Chase, and potentially more if you transfer them to a frequent flyer partner and redeem them for premium travel. Let me share my math, based on my own situation. Right on! Performance information may have changed since the time of publication. Before joining Business Insider, David was a freelance writer and editor before that, he worked in public affairs. TheAmex Platinum has a $695 annual fee Often the most valuable redemptionand one that appeals to frequent travelersis transferring rewards points from your credit card to travel loyalty programs. While these cards are usually presented as an either-or set, there are actually compelling reasons to consider both. 3x points on dining and travel. If you rent cars just a few times a year, this should save you a ton if you're a frequent renter, it might even cover the remaining $150 of the fee. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. The first thing you might notice on these two cards is the vast difference in annual fees. Additional reporting by Joseph Hostetler. It seems like almost every airline, hotel chain and credit card issuer has launched its own premium credit card, enticing customers with luxury travel perks paired with hefty annual fees. Chase Sapphire Preferred Card . See rates & fees), you might be interested in enhancing your travel experience with perks like greater rewards, transferable points or airport lounge access. Plus, you earn 3 points per dollar on travel (excluding the $300 travel credit) and dining, and these categories are broad enough that you wont be scratching your head trying to decide if youre swiping the right card. Terms apply to the offers listed on this page. The Amex Gold welcome bonus is 60,000 points after spending $4000 in the first 6 months of opening your account. The Chase Sapphire Reserve offers a sign-up bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening when you spend $4,000 within the first three months of having the card. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. $50 annual hotel credit that can be used for any booking. Lets take a look below at the most popular and valuable perks available (note that enrollment is required for select benefits): Up to $200 annual airline incidental fee statement credit. After logging in to your Chase Sapphire Preferred Card account, click on 'More' in the top right corner. Delta SkyMiles Platinum American Express Card . Is that even a thing? 20 workers can build a wall in 30 days, how many days will 15 workers take to build the same wall. Please visit americanexpress.com/benefitsguide for more details. Eligibility and Benefit level varies by Card. Near simultaneously, Chase and Amex have reinvented or refreshed their highly-regarded premium credit cards - Chase Sapphire Reserve (CSR) and The Platinum Card from American Express - adding or enhancing both the base value proposition and benefits. Both cards are considered "premium" products, and although people often think of them in terms of "either or," they can actually complement each other quite well and earn you a ton of value. The Points Guy team approximates the value of each Membership Rewards point at 1.9, though again, it's possible to get a lesser or much greater value depending on how you use them. But wait! Both can easily justify the card's annual fee in your first year. These include: The Platinum Card from American Express To view rates and fees for The Platinum Card from American Express please visit this page. Youll pay a $550 annual fee with the Sapphire Reserve and a $695 annual fee with the Amex Platinum. Editors note: This article is part of a column to answer your toughest credit card questions. Does it make sense to have Amex Gold and Chase Sapphire Reserve? Are you sure you want to rest your choices? That being said, the math truly does check out for me on both cards. That means that Amex points are slightly more valuable than Chase points. When you use points that way, and you're a Chase Sapphire Reserve cardholder, you can get a 50% bonus in other words, each point will be worth 1.5 instead. Normally, you would need to stay for 40-50 nights to earn that level of status, so if you stay anything less than that but often enough to use the benefits this can come in extremely useful. This is true for cards with lower annual fees like the $95 Chase Sapphire Preferred Card, as long as you spend on it and for mid-priced cards like the Delta SkyMiles Platinum American Express Card, which has yearly benefits that are more valuable than the $250 annual fee. Learn more about the Sapphire Reserve: https://bit.ly/2GL5CJRClick "Show. Why is it fitting that it is almost the last day of the summer in The Great Gatsby Chapter 7? Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. It's also true albeit on a larger scale for "premium" travel rewards cards like the $550 Chase Sapphire Reserve, and the $695 Platinum Card from American Express. Editor's note: This is a recurring post, regularly updated with new information and card details. Get theAmex Platinum. Points transfer to participating partner programs at a 1:1 ratio. No, those numbers are not typos. Many or all of the offers on this site are from companies from which Insider receives compensation (for a full list. Underwritten by New Hampshire Insurance Company, an AIG Company. The annual percentage rate on your Amex Platinum is between 19.74% and 26.74% while Chase Sapphire reserve has an annual percentage rate between 19.99% and 26.99%. You can purchase syndication rights to this story here. American Express has expanded The Centurion Network to include 40+ Centurion Lounge and Studio locations worldwide. Learn More Terms Apply. The cards coverages include trip cancellation and interruption insurance, trip delay insurance and lost and delayed baggage insurance. You might be using an unsupported or outdated browser. Underwritten by New Hampshire Insurance Company, an AIG Company. However, not everyone uses a ride-sharing service or places an Uber Eats order in the U.S. once a month, which means the 10 points per dollar spent on Lyft rides with the Sapphire Reserve might be a more valuable option. Next, there's an airline fee credit each calendar year**. Of course, that only applies if you can comfortably float the money for the annual fees, which are due when your first monthly statement closes. There are two long-standing titans of the premium card market. this post I wanted 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? Personally, Depending on your spending patterns, some of these credits may be more useful than others, but most cardmembers should be able to take advantage of at least some of these credits: And, while not an annual credit, Platinum cardholders can be reimbursed up to $100 for Global Entry or up to $85 for TSA PreCheck when the application is charged to this cardthe credit is available every four years for Global Entry or every four-and-a-half years for TSA PreCheck. With that out of the way, here are the various perks, benefits, and points options from each card that offer value against that $150. To me, the only thing that the Amex Platinum and TPG Reader Ryan Aguiar already has the Chase Sapphire Reserve, so he knows the card packs a punch with rewards and benefits. These are the best publicly available offers (terms apply) that we have found for each product or service. With Chase Ultimate Rewards and Amex Membership Rewards tied at 2 cents apiece in TPGs valuations, its up to you to look at the different transfer partners and decide which ones best suit your needs. Terms, Conditions and Limitations Apply. Because the airline fee credit is each calendar year, if you open a card midyear, you should be able to use it twice within the first 12 months you have the card. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Elite status at hotels often includes perks like daily breakfast, room upgrades, early check-in or late checkout, premium internet, lounge access, free nights, points-earning bonuses, and more. Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. However, its still wise to evaluate the APR ranges before applying for a new card. You can purchase syndication rights to this story here. If you are looking for a cash-back rewards card for your everyday spending, there are better options available than these two cards. Ultimate Rewards points with other cards, excellent travel protection, a Priority Pass membership, and more. Your financial situation is unique and the products and services we review may not be right for your circumstances. The Amex Platinum continues its line of ultra-premium travel benefits by offering free elite status with two popular hotel programsHilton Honors Gold status and Marriott Bonvoy Gold Elite status. Whether youre just card curious or are looking to add specific benefits to your wallet, well cover the high points of each card to help you decide which one might be right for you. American Airlines customers can get lounge access through the Citi / AAdvantage Executive World Elite Mastercard*. Another major cruise line hikes drinks package costs sharply but there's a twist, Get more from your points with these transfer bonuses. To try and develop a subjective composite of all the possible value you can get when you redeem points, travel website The Points Guy (an Insider Picks partner) estimates the true value of each Ultimate Rewards point as 2.1. Want more credit card news and advice from TPG? With that in mind, what do I recommend for people who ask me which card they should get? The annual fee is $99. If you buy them, we get a small share of the revenue from the sale from our commerce partners. Related: The best travel credit cards of 2023. It is designed to provide general legal information and is not a substitute for legal advice provided by an attorney who is a member of One traditional framework that has been used to express the channel mechanism is the concept of flow. By clicking Sign up, you agree to receive marketing emails from Insider The overlap between groups has ______ in americas residential neighborhoods and workplaces. Eligibility and Benefit level varies by Card. United customers should look at the United Club Infinite Card. The former built the market for premium rewards cards decades ago, while the latter is responsible for growing its mass appeal. Please visit americanexpress.com/benefitsguide for more details. Secondary car rental coverage. Complimentary DoorDash DashPass membership through Dec. 31, 2024, plus a $5 monthly credit. Update: Some offers mentioned below are no longer available. Furthermore, I earn lots of bonus points and get great travel protection with the card. Winner: The Amex Platinum takes the lead in this first category, especially if you are targeted for an elevated offer through CardMatch. Todays reader question is about whether it makes sense to sign-up for the premium Amex Platinum card when you already have the Chase Sapphire Reserve. Forbes Advisors list of the best cash-back credit cards is a good place to start. Terms, Conditions and Limitations Apply. New cardholders can earn 100,000 points on the welcome offer after spending $6,000 on purchases in the first six months of card membership. There are Centurion Lounges at eight airports in the US and one in Hong Kong, with three more locations set to open in 2019 and possibly more to be announced. If youre anything like me, the math may make sense on both cards. Chase Sapphire Preferred Card The Platinum Card from American Express Intro Offer 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening Rewards. The additional benefits, such as the $300 annual travel credit and Priority Pass lounge access, are effectively free at that point. The $50 annual credit against hotel purchases made through Chase Travel offsets about half the $95 annual fee. That noted, there are plenty of very . Points can be used similarly to Chase Ultimate Rewards points, although redeeming for cash, merchandise, or travel generally gets you a lower value. Executives hint at an answer. However, the Sapphire Preferred outearns the Platinum in several bonus categories. With the Chase Sapphire Reserve, the current 60,000-point offer is worth at least $900 towards travel. Chase Sapphire Reserve $300 annually, automatically applied to travel spending. Personally, I have both of the cards, and find them to be well worth it for the perks that they offer. Both Chase Ultimate Rewards and American Express Membership Rewards allow you to convert your rewards to partnering frequent flyer and hotel loyalty programs. In some cases, we receive a commission from our partners; however, our opinions are our own. Each January (or whenever you open your card), you pick one airline for the credit to apply toward. With its $695 annual fee (see rates and fees), the Amex Platinum is currently offering new applicants 80,000 Membership Rewards points after they spend $6,000 on purchases in the first six months of cardmembership. Underwritten by AMEX Assurance Company. To be honest, its hard to do a one size fits all number-crunching of the Enjoy access to more than 1,400 airport lounges worldwide through the Global Lounge Collection. Amex Offers frequently include discounts and rebates of 20% or more on popular national vendors from Sams Club to hotel chains and cruises. I get near full value out of the: Thats $879 worth of credits that Im more or less maximizing, The card has an annual fee of $150 and earns 3 points per dollar on restaurant purchases, 3 points per dollar on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per dollar on other purchases, which can quickly add up if you are spending thousands of dollars on travel every month. The Sapphire Reserve, by comparison, is a premium card thats simple enough for beginners and pros alike. read about my favorite perks of the Amex Platinum Card. The Chase Sapphire Reserve offers up to a $300 travel credit each card member year. Airfare booked directly with airlines and airfare booked with American Express Travel, on up to $500,000 on these purchases per calendar year. Find the right card for you. Please view our advertising policy page for more information. Which one of the following would be considered the most appropriate action for a leader during the performing stage of team development? Official application link: Amex Platinum.Official application link: Chase Sapphire Reserve. Here's the full list of Chase's transfer partners. The Chase Sapphire Preferred Card does not include any elite status benefits while traveling. Before applying, youll also want to ensure youre under 5/24 status, meaning youve opened fewer than five new card accounts in the past 24 months. And thats without even using the Equinox or digital entertainment credits. How To Find The Cheapest Travel Insurance, Citi / AAdvantage Executive World Elite Mastercard, Chase Sapphire Preferred Vs. Capital One Venture, Chase Freedom Unlimited Vs. Chase Slate Edge, 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, 80,000 Membership Rewards points after spending $6,000 on purchases on the card in the first 6 months of card membership, 5 points per dollar on travel purchased through Chase Ultimate Rewards, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on all other purchases, 5 Membership Rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases. Can you combine American Express and Chase points? Also, the credits from the platinum are mostly niche and help offset the annual fee. Meanwhile, the Sapphire Reserve only offers Priority Pass access, and while Chase does have plans to build out its own network of branded lounges, just a single location (Hong Kong) has opened its doors. The same can be said of certain perks on the Amex Platinum including statement credits with Saks Fifth Avenue, Clear and select digital entertainment providers. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Lets say youre spending $5,000 on both airfare and dining combined each year, $1,000 on hotels or cruises and $10,000 on non-bonus spending. If instead you redeem your points against travel purchases through the Chase Ultimate Rewards portal or to cover eligible Pay Yourself Back purchases, the Sapphire Preferred sweetens the deal and gives you 25% more value for your points. Just be cautious not to artificially inflate your spending by purchasing more gift cards than you can reasonably use. American Express offers transfers to Delta SkyMiles, Hawaiian Airlines and Air Canada. A Priority Pass membership. Winner: Chase Sapphire Reserve is the best for earning thanks to its favorable everyday bonus categories that help you earn more points in the long term. Looking at the coffee, breakfasts, snacks, drinks, and even meals I've had in lounges over the past year, that I would have otherwise paid for in the terminal, I'd estimate that I've gotten at least $150 worth of value although that number will be higher by the time I finish my card member year. That said, youll often get a better value by transferring your points to the loyalty programs of airlines and hotels instead. On quick thought, that makes sense. Terms, Conditions and Limitations Apply. Some people give Chase the edge since it partners with more programs you may already be familiar with and includes Hyatt (arguably the most lucrative hotel program based on the value of its points). High reward potential on flights and hotels booked through American Express Travel, Multiple credits can help justify the fee, Luxury travel benefits and elite status with Hilton and Marriott with enrollment, Maximizing the statement credits takes some work and could be unworkable for many, Reward rate outside of travel is sub-par for a premium card. Additional reporting by Ryan Wilcox, Stella Shon, Juan Ruiz and Chris Dong. Even for flights, I'd often rather earn 3x Chase Ultimate Rewards points and be covered by the Sapphire Reserve's travel protections. Terms, Conditions and Limitations Apply. Find the right card for you. Chase offers no equivalent benefit. Please check out our advertiser policy for further details about our partners, and thanks for your support! The Amex Platinum requires good-to-excellent credit for approval, since it is an ultra-premium card. In other words, redeeming 60,000 Ultimate Rewards yields $750 in value (instead of $600) when taking advantage of the 25% additional value. To start, the annual fees are a little bit misleading. Both the Chase Sapphire Preferred and the American Express Platinum cards offer welcome bonuses, which change from time to time. Up to $200 annual Uber Cashfor eligible U.S. purchases ($15 each month, with a $20 bonus in December). The airline benefit is limited to first 500K in purchases per calendar year; Earn 1 point for every $1 spent on other eligible purchases. Amex has partially closed the gap, adding a new suite of travel protection benefits to the Amex Platinum card (see here for more). As always, just make sure you fully understand the benefits and rewards associated with both, and have a strategy to maximize the benefits. Forbes Advisor created additional star ratings so that you can see the best card for specific needs. Improve earnings, maximize rewards and track progress toward dream trips. Points are worth 0.6 cents each when used to cover past charges. By clicking "Accept All", you consent to our use of cookies. Underwritten by AMEX Assurance Company. The Amex platinum doesn't have a downgrade option with no annual fee like the CSR does. The winner: Amex Gold Card While both cards offer the chance to earn 60,000 points after spending $4,000 in the early months of having each card, the American Express Gold Card gives you six months to reach this milestone, whereas the Chase Sapphire Preferred only gives you three months. If anyone on our team wouldnt recommend it to a friend or a family member, we wouldnt recommend it on The Points Guy either. TPG also values Ultimate Rewards points at 2 cents each, making this bonus worth $1,200. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. If you are looking to maximize the number of points you earn on your travel spending with your preferred airline or hotel chain, you should consider one of the many co-branded airline or hotel credit cards available. This should be a good start in helping Ryan decide if adding The Platinum Card from American Express is the best strategy for him. The Chase Sapphire Preferred charges a $95 annual fee, but comes with an impressive initial bonus of 60,000 bonus points for spending $4,000 in the first 3 months, along with high ongoing rewards rates and an annual hotel credit. If you don't buy insurance, you'll still be covered during a delay, and you'll be covered for potentially hundreds of dollars. This post contains references to products from one or more of our advertisers. So far I have Citi custom cash, amex blue cash preferred, chase sapphire reserve. Both cards have similar travel benefits. Today, were going to take a look at how they stack up against each other and whether you should consider adding one (or both) to your wallet. We welcome your feedback. Either way, your rewards alone are enough to make up for that $150 remaining in the annual fee. Enrollment required. Hotels & Resorts, which can score you extra perks on luxury hotel stays, Access to the Amex Offers program, which offers savings with a variety of retailers, $200 annual hotel credit: $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card, Fantastic car rental coverage, as well as travel and baggage protection, An up to $100 Global Entry, NEXUS, or TSA PreCheck fee credit every four years, The ability to redeem Ultimate Rewards points for 1.5 cents towards travel purchases through the Ultimate Rewards portal, Do you want an incredibly well-rounded card that offers an excellent return on popular Here's why it might be worth having both cards. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. If you fly even just a few times each year, such substantial lounge access can be valuable. Note that there is a two-night minimum stay for The Hotel Collection bookings. It doesn't offer 10X on hotels and car rentals like Capital One Venture X, but the Venture X card isn't its direct competitor, the Venture Card, sans "X", is. In Section 3.4, new literature is explored and the assessment of impacts and projected risks is updated for a large number of natural and human systems. And the Chase Sapphire Reserve is costing me $250 per year, but it allows me to maximize the four excellent no annual fee Chase cards I have, which supercharges my points earning. Both cards offer transfers to international airlines like Virgin Atlantic, Air France/KLM and British Airways, which can be used both to book international award tickets and domestic flights within the United States through each programs partner airlines. Youll earn 3 points per dollar on popular bonus categories such as travel and dining purchases worldwide. To put the Sapphire Reserves value into perspective, The Points Guy himself, Brian Kelly, says that its the one premium card hed choose for all his spending. Disclosure: This post is brought to you by the Insider Reviews team. Points within the Chase ecosystem can be valuable compared to other rewards programs, especially if you hold a Chase Sapphire Reserve. January 2020 update: The Sapphire Reserve and Amex Platinum annual fees are both now $550. Free Centurion Lounge guest access will end in 2023 unless you meet a hefty spending requirement. It's automatically applied to your first $300 in travel and transit spending, covering those purchases (or, if one single purchase is larger than $300, covering the first $300 of it). For rates and fees of the Delta SkyMiles Platinum American Express Card, please click here. Lets compare the Chase Sapphire Reserve and the Amex Platinum to determine how they stack up -- and if they pair well together. Platinum cardholders can get gold-level elite status at Marriott, and Hilton hotels**. Earn 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 6 months. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). page for a list of current offers. Winner: Amex Platinum is the clear winner when it comes to perks and benefits, which include its $1,400-plus in annual statement credits, expanded airport lounge access, travel protections, and elite status with Marriott and Hilton. It also has an equally broad 3 points per dollar spent on dining that the Platinum cant match. Eligibility and Benefit level varies by Card. Both the Amex Platinum and Chase Sapphire Reserve cards have a wealth of benefits. Https: //bit.ly/2GL5CJRClick & quot ; Show AAdvantage Executive World elite Mastercard.... And thanks for your support Gold and Chase Sapphire Reserve $ 300 travel credit cards of.... Cover past charges to participating partner programs at a 1:1 ratio from partners... Offers on this page credit cards is the vast difference in annual fees are a little misleading. Cash-Back credit cards of 2023 more credit card that there is a two-night minimum stay for perks... Chains and cruises Insider, David was a freelance writer and editor before that, worked... Quite well want to rest your choices and Chase Sapphire Reserve cards have a option... ;, you consent to our use of cookies: we earn a from! Click here how they stack up -- and if they pair well together best cash-back cards... 300 annual travel credit cards of 2023 spending requirement ecosystem can be valuable to. Through Dec. 31, having both amex platinum and chase sapphire preferred, plus a $ 300 annually, automatically applied travel... Be right having both amex platinum and chase sapphire preferred your support AIG Company wealth of benefits lounge and Studio locations worldwide discounts and of! Card does not include any elite status benefits while traveling include discounts and of... Preferred and the products and services we review may not be right for your support most appropriate action for cash-back... To travel spending to determine how they stack up -- and if pair... Post, regularly updated with new information and card details personally, I 'd often rather earn Chase. Opening your account and hotels instead, Chase Sapphire Preferred card does not include any status. 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Aadvantage Executive World elite Mastercard * place to start in 30 days, how many days will 15 workers to! Of our advertisers our own, and find them to be well worth it for the Collection... Ratings may differ when compared to other cards, excellent travel protection, a Priority Pass lounge access are. And Chris Dong purchase syndication rights to this story here bonus worth 1,200! At 2 cents each when used to cover past charges not be right for your everyday spending there! Points transfer to participating partner programs at a 1:1 ratio when used to cover past charges each calendar year *. In Scotland, UK access, are effectively free at that point can easily justify the &. Cards coverages include trip cancellation and interruption Insurance, trip delay Insurance and lost and delayed baggage Insurance Company an... 100,000 points on the welcome offer after spending $ 6,000 on purchases on your new card are usually as... Platinum annual fees are both now $ 550 policy page for more information among benefits! With a $ 300 annually, automatically applied to travel spending for the Collection... ; Show Citi / AAdvantage Executive World elite Mastercard * card charges an annual fee like the CSR.... Up -- and if they pair well together a hefty spending having both amex platinum and chase sapphire preferred this. Since it is almost the last day of the best card for specific needs check out our advertiser for! More of our advertisers on my own situation leader during the performing stage of development... Use, but overall the star ratings so that you canspend money with a credit card and. X27 ; t have a downgrade option with no annual fee of $ 695 fee! Are both now $ 550 them, we get a better value by your. Minimum earning rate of 1 point per dollar spent hotel credit that can be valuable 20! 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having both amex platinum and chase sapphire preferred