Chase Sapphire Reserve vs Amex Business Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Chase Sapphire Reserve wins 3-2. Annual travelers — the upgrade path from Sapphire Preferred. Amex Business Platinum is still the right call if us-incorporated startups with $50k+/year corporate spend..
Side-by-side
| Criterion | Chase Sapphire Reserve | Amex Business Platinum |
|---|---|---|
| Annual fee | $550 | · $695 |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 points after $4,000 in first 3 months | = 150,000 Membership Rewards points after $20,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | · 740 | 720 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
Chase Sapphire Reserve
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
FAQ
›Chase Sapphire Reserve vs Amex Business Platinum: which is better?
Chase Sapphire Reserve wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Reserve for its best categories, Amex Business Platinum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Reserve: 60,000 points after $4,000 in first 3 months. Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months.