Head-to-Head
Chase Sapphire Preferred vs American Express Platinum: Which Is Better?
A detailed comparison to help you choose the right option for your financial goals.
Editor's Choice
Chase Sapphire Preferred
★★★★★4.7/5
✓60,000 point bonus
✓2X on travel & dining
✓$95 annual fee
Pros
- ✓ Excellent bonus
- ✓ Flexible points
- ✓ Travel protections
Cons
- ✗ Annual fee
- ✗ Needs good credit
- ✗ Not best for cashback
Best For
Travel EnthusiastsHigh Earners
American Express Platinum
★★★★★4.5/5
✓$200 hotel credit
✓Centurion lounges
✓$695 annual fee
Pros
- ✓ Best travel perks
- ✓ Multiple lounge access
- ✓ Premium status
Cons
- ✗ Very high fee
- ✗ Complex credits
- ✗ Low earning on most purchases
Best For
Travel EnthusiastsHigh Earners
Our Verdict
Chase Sapphire Preferred gets our recommendation with a 4.7/5 rating. It's especially strong for those who want 60,000 point bonus. That said, American Express Platinum is still excellent if best travel perks is your top priority.