---
title: 'Review: The Chase Sapphire Reserve® and Its Big Changes for 2026'
description: >-
Our review of the refreshed Chase Sapphire Reserve® for 2026: the new annual
credits worth thousands, the higher fee, and whether it's still worth it.
date: '2026-09-17'
author: Katherine Fan
category: Insights - Blog Articles Home
tags:
- Credit Cards
- Trending
canonical_url: https://www.point.me/insights/chase-sapphire-reserve/
source: point.me
license: © 2026 point.me. All rights reserved.
slug: chase-sapphire-reserve
id: 59JhyMkXMbLLFDF7urwrHq
contentType: article
---
# Review: The Chase Sapphire Reserve® and Its Big Changes for 2026
Written by: Katherine Fan
**Insights - Blog Articles Home**
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***Advertiser Disclosure: ****Some links to credit cards and other products on this website will earn an affiliate commission. Compensation may affect how and where the cards appear on the site, and we do not include all card companies and all available card offers. Opinions, reviews, analyses, and recommendations have not been reviewed, endorsed, or approved by any of these affiliate entities. point.me has partnered with CardRatings for our coverage of credit card products. point.me and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. All information about American Express cards have been collected independently by point.me. American Express cards are no longer available through point.me.*
The [{*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}](https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048084&src=702499var2=pointme_channel-mk_place-bl_page-csr review) has been one of the most popular premium travel credit cards for nearly a decade. First launched in 2016, the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} took the travel world by storm as a major competitor to the {*credit_card_id*:*4028089*,*field*:*card_name*,*api*:*cc*}.
Now, just shy of the card’s 9th birthday, Chase has given the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} a thorough refresh, adding annual credits worth thousands of dollars, as well as the highest annual fee yet for a mainstream credit card.
## The basics
Most of the [{*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}’s](https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048084&src=702499var2=pointme_channel-mk_place-bl_page-csr review) changes add significant value for new and existing cardholders, although the industry-leading annual fee is a serious drawback. (For context, the {*credit_card_id*:*4028089*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*The Platinum Card® from American Express*} charges the current highest annual fee of {*credit_card_id*:*4028089*,*field*:*annual_fees*,*api*:*cc*}.)
Each benefit value displayed is our total estimate of the benefit for one year.
**Chase Sapphire Reserve®**
- Annual fee: $795
- Current offer: Earn 100,000 points
- Earn 100,000 points after spending $6,000 in the first 3 months from account opening.
- Offer terms apply.
- [Full details](https://www.cardratings.com/details/credit-card/chase-sapphire-reserve.html?src=702499)
- Rewards: 8x All purchases through Chase Travel℠, including The Edit℠; 4x Flights booked direct (Only the highest eligible bonus applies; flights booked through Chase Travel℠ would earn 8x instead.); 4x Hotels booked direct (Only the highest eligible bonus applies; hotels booked through Chase Travel℠ would earn 8x instead.); 3x Dining worldwide; 1x All other eligible purchases
- Benefits: $450 Priority Pass™ Select Lounge Access; $300 $300 Annual Travel Credit; $300 Sapphire Reserve Exclusive Tables Dining Credit (The maximum value of this benefit is up to $300); $288 Apple TV & Apple Music Subscription; $120 Global Entry, NEXUS, or TSA PreCheck® Credit (The maximum value of this benefit is up to $120); $100 Chase Sapphire Lounge® by The Club Access
- BOS → LHR — 6,000 points · economy · Virgin Atlantic · Virgin Atlantic Flying Club
- ORD → MAD — 41,000 points · business · Iberia · Club Iberia
- IAD → CDG — 10,000 points · economy · Air France · Virgin Atlantic Flying Club
- SEA → NCE — 45,000 points · business · Air France · FlyingBlue
- ATL → AMS — 12,000 points · economy · KLM · Virgin Atlantic Flying Club
## How the card’s recent changes affect users
The credits stack up to a lot of value, but they can be harder to use than you think.
Disgruntled cardholders have begun disparaging premium credit cards as glorified “coupon books” in recent months, as issuers tout generous benefits but distribute them in monthly allowances.
The new $120 Peloton benefit is one such example, offering a monthly $10 “use it or lose it” credit that doesn’t fully cover even the lowest-cost membership of $9.99/month after factoring in sales tax in most states.
However, the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} is a little more generous than some of its competitors. The Peloton, Lyft, and DoorDash credits come in monthly increments, but the card also offers semi-annual credits for select dining, hotel stays, and live entertainment purchases. Meanwhile, the credits for annual travel, trusted traveler programs, and Apple subscriptions can all be used in single transactions.
## The pros and cons
The new {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} offers undeniable value, but its steep annual fee sets a precedent for other premium travel cards to follow suit. In fact, Amex has already announced impending changes for its consumer and business Platinum cards.
### Why we love the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}
- Travel insurance: The {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} offers complimentary travel insurance that’s more robust than many paid travel insurance plans — and Chase isn’t changing anything about its coverage.
- New annual credits: The card’s new lifestyle benefits are worth nearly $1,500 a year if you can maximize most of them.
- Valuable rewards and transfer partners: Chase [partners](/insights/chase-points-transfer-partners) with more than a dozen airlines and hotel chains, and [Ultimate Rewards points](/insights/how-to-transfer-chase-ultimate-rewards-points-to-airlines) are easy to earn from travel and dining expenses.
### Things to consider with the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}
- Annual fee: The new {*credit_card_id*:*4048084*,*field*:*annual_fees*,*api*:*cc*,*case*:*uf*,*placeholder*:*$795*} annual fee is untenably high for most casual travelers. Existing cardholders will begin paying this new annual fee on their first renewal date after October 26, 2025. **Note: **Authorized users will also see an annual fee increase, from $75 to $195. They will get all of the same benefits as primary cardholders, minus IHG Platinum elite status, and continue to enjoy airport lounge access.
- Redeeming points through Chase Travel: Points are now [worth](/insights/how-much-are-chase-points-worth) 2 cents each when booking select premium flights and hotels through [Chase Travel](/insights/how-to-use-the-chase-travel-portal)’s new Points Boost program. But they can only be redeemed for 1 cent per point on standard redemptions — down from a previous value of 1.5 cents per point on all eligible Chase Travel bookingsNote: Points Boost also impacts the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} for Business, Chase Sapphire Preferred, Chase Ink Business Preferred, and Chase Ink Plus cards.
- Updated earning rates: The {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}’s new earning rates benefit frequent flyers, but are slightly less beneficial for most other forms of travel. Worst of all, cardholders lose the ability to earn 3x points on transit expenses and 10x on Chase Dining.
## Earning points with the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}
The biggest changes to the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}’s earn rates come from the increased rates for flights booked through the Chase travel portal. This rate is increasing from 5 points per dollar spent up to 8 points. If you don’t mind booking cash flights through the Chase Travel online travel agency (OTA), you can maximize your earning potential.
However, most travel experts avoid booking flights through OTAs because it sacrifices flexibility in the event of changes or cancellations. During the initial travel rush of COVID-19, thousands of travelers who booked through OTAs like Travelocity and Expedia found themselves shuffling through an endless loop of customer service denials, when OTA agents would tell them to contact the airline directly, while airline representatives said they could not change third-party bookings.
The second-best way to maximize points earned is by booking flights and hotel stays directly with the airline or hotel chain and paying with the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}. That’s because flights and hotels now earn 4x points on direct bookings instead of 3x points. And of course, don’t forget to pay with your {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} to earn an easy 5x points on Lyft rides.
## Redeeming points with the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}
Chase Ultimate Rewards are some of the most lucrative points you can earn because they’re extremely versatile. We’ve ranked the redemption methods below in order of descending value.
### Best economy redemption deals with Chase points
Here are the top economy award flights we recently found bookable with Chase points.
- [New York → London — 6,000 points · $23 tax · economy · Virgin Atlantic Flying Club](https://www.point.me/results?departureIata=JFK&arrivalIata=LHR&classOfService=economy&departureDate=2027-02-27&legType=oneWay&passengers=1)
- [Washington → Paris — 10,000 points · $23 tax · economy · Virgin Atlantic Flying Club](https://www.point.me/results?departureIata=IAD&arrivalIata=CDG&classOfService=economy&departureDate=2026-11-08&legType=oneWay&passengers=1)
- [Atlanta → Amsterdam — 12,000 points · $23 tax · economy · Virgin Atlantic Flying Club](https://www.point.me/results?departureIata=ATL&arrivalIata=AMS&classOfService=economy&departureDate=2027-01-26&legType=oneWay&passengers=1)
### Transferring to Chase airline and hotel partners
Chase isn’t changing its robust [transfer partner program](/insights/chase-points-transfer-partners) at this time, which means {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} cardholders continue to get the highest value from their points by transferring them to airline and hotel partners like [Marriott Bonvoy](/insights/marriott-bonvoy-points-guide), World of Hyatt, [United MileagePlus](/insights/redeem-miles-united-mileageplus), and [Southwest Rapid Rewards](/insights/redeem-points-southwest-rapid-rewards). And of course, savvy award travelers can use [point.me](http://point.me) to find the best sweet-spot deals for fewer points.
### Redeeming through Chase Travel℠
The previous 1.5x rate for all Chase Travel redemptions is dropping to 1 cent per point, except for Points Boost bookings, which can be redeemed for 2 cents per point. point.me users understand that a cost-per-point (cpp) value of just 1 cent per point is generally a poor use of Chase Ultimate Rewards points.
However, the Chase travel portal can be valuable on occasion. If you happen to find a particularly low cash rate through Chase Travel, booking for 50% fewer points through the portal may make sense for your specific situation.
### Redeeming for cash back, statement credits, gift cards and more
The Chase Travel portal may be less valuable than before, but redeeming Ultimate Rewards points for cash back or even gift cards is an even poorer choice.
If you find yourself needing to use your points for these types of redemptions, we highly recommend avoiding the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} (or downgrading your current card to one of the Chase Freedom cash back cards instead).
## Who this card is great for
The newly redesigned [{*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}](https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048084&src=702499var2=pointme_channel-mk_place-bl_page-csr review) is for true travelers who fly through Priority Pass and Chase Sapphire Lounge airports at least once a quarter.
The ideal {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} cardholder dines out at least once a week, attends at least two live shows or concerts each year, watches Apple TV and listens to Apple Music, and can find reasons to stay in hotels featured in The Edit by Chase Travel at least twice a year.
### Comparing the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} vs. Sapphire Preferred
The highly popular Chase Sapphire Preferred will probably see a slew of new cardholders in the coming months, as thousands of {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} cardholders get hit with the higher annual fee and downgrade to the $95 Sapphire Preferred to avoid the cost.
The Chase Sapphire Preferred doesn’t come with thousands of dollars in annual credits or airport lounge access, but it offers plenty of value for its reasonable annual fee. It comes with some of the best travel insurance you’ll find across any travel credit card, plus a $100 annual credit toward hotel stays booked through Chase Travel.
The Chase Sapphire Preferred will be the best choice for infrequent travelers who need strong travel protections but cannot justify the {*credit_card_id*:*4048084*,*field*:*annual_fees*,*api*:*cc*,*case*:*uf*,*placeholder*:*$795*} annual fee of the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}. Cardholders continue to earn 5x points per dollar on Chase Travel bookings, excluding hotel purchases that qualify for the $50 annual Chase Travel hotel credit; 3x on vacation homes; 3x on gas and EV charging; 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs); 3x on dining, including takeout and delivery; 2x on other travel; and 1x on all other purchases.
Chase Sapphire Preferred customers get up to a 1.75x redemption bonus on select travel booked through Points Boost.
Again, these rates may seem tempting, but cardholders almost always get better value by transferring points to airline partners for business and first-class flights.
| | **Chase Sapphire Preferred** | **{*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}** |
| Annual fee | $95 | {*credit_card_id*:*4048084*,*field*:*annual_fees*,*api*:*cc*,*case*:*uf*,*placeholder*:*$795*} |
| Earning rate | 5x on Chase Travel
3x on dining, select streaming services, vacation homes, gas stations and EV charging, and online groceries (excluding Walmart, Target, and wholesale clubs)
2x on all other travel purchases
1x on everything else | 8x on Chase Travel
5x on eligible Lyft rides
4x on flights and hotels
3x on dining
1x on everything else |
| Redemption rate through Chase Travel after June 23 | Up to 1.75x on Point Boost
1x on everything else | Up to 2x on Point Boost
1x on everything else |
| Airport lounge access | No | Priority Pass (after enrollment)
Chase Sapphire Lounges |
| Annual credits | $100 hotel credit through Chase Travel | $300 travel credit
$500 credit for The Edit by Chase Travel
$300 credit for DoorDash
$300 dining credit at Sapphire Reserve Exclusive Tables
Complimentary subscription to Apple TV and Apple Music
$300 StubHub and Viagogo credit
$120 Lyft credit
$120 Peloton credit |
### Comparing the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} personal card vs the Chase Sapphire Reserve® for Business card
Chase launched the brand-new Chase Sapphire Reserve® for Business at the same time it announced the consumer card’s overhaul. This premium business credit card will also come with the same {*credit_card_id*:*4048084*,*field*:*annual_fees*,*api*:*cc*,*case*:*uf*,*placeholder*:*$795*} annual fee in exchange for thousands of dollars in annual credits and benefits. However, many of its credits are for business expenses such as advertising and recruiting, rather than for lifestyle purchases, including dining and entertainment.
The Chase Sapphire Reserve® for Business also comes with access to Priority Pass lounges (after enrollment) and Chase Sapphire Lounges, and doesn’t charge an annual fee for employee cards. However, authorized users do not get airport lounge access, nor do they get complimentary IHG elite status.
| | Chase Sapphire Reserve® for Business | {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} |
| Annual fee | $795 | {*credit_card_id*:*4048084*,*field*:*annual_fees*,*api*:*cc*} |
| Earning rate | 8x on Chase Travel
5x on eligible Lyft rides
4x on flights and hotels
3x on social media and search engine advertising
1x on everything else | 8x on Chase Travel
5x on eligible Lyft rides
4x on flights and hotels
3x on dining
1x on everything else |
| Redemption rate through Chase Travel after June 23 | 2x on Point Boost
1x on everything else | 2x on Point Boost
1x on everything else |
| Airport lounge access | Priority Pass (after enrollment)
Chase Sapphire Lounges | Priority Pass (after enrollment)
Chase Sapphire Lounges |
| Annual credits | $300 annual travel credit
$500 credit for The Edit by Chase Travel
$300 credit for DoorDash
$120 Lyft credit
$200 Google Workspace annual credit
$100 Giftcards.com credit
$400 ZipRecruiter hiring credit | $300 travel credit
$500 credit for The Edit by Chase Travel
$300 credit for DoorDash
$300 dining credit at Sapphire Reserve Exclusive Tables
Complimentary subscription to Apple TV and Apple Music
$300 StubHub and viagogo credit
$120 Lyft credit
$120 Peloton credit |
### Comparing the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} personal card vs {*credit_card_id*:*4028089*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*The Platinum Card® from American Express*}
The [{*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}](https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048084&src=702499var2=pointme_channel-mk_place-bl_page-csr review) and [{*credit_card_id*:*4028089*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*The Platinum Card® from American Express*}](https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4028089&src=702499var2=pointme_channel-mk_place-bl_page-csr review) are frequently compared as two of the best premium travel rewards credit cards on the market. At these price points, neither card is drastically better or worse than the other. Instead, choose holistically based on whether the Amex or Chase suite of partnerships and benefits is more valuable for your lifestyle.
After the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}’s supercharged refresh, both cards now offer well over $1,000 in annual credits — if you can use them effectively, of course.
Each benefit value displayed is our total estimate of the benefit for one year.
| Card | Current offer | Annual fee | Rewards rates | Benefits |
| --- | --- | --- | --- | --- |
| [Chase Sapphire Reserve®](https://www.cardratings.com/details/credit-card/chase-sapphire-reserve.html?src=702499) | Earn 100,000 points — Earn 100,000 points after spending $6,000 in the first 3 months from account opening. — Offer terms apply. | $795 | 8x All purchases through Chase Travel℠, including The Edit℠; 4x Flights booked direct (Only the highest eligible bonus applies; flights booked through Chase Travel℠ would earn 8x instead.); 4x Hotels booked direct (Only the highest eligible bonus applies; hotels booked through Chase Travel℠ would earn 8x instead.); 3x Dining worldwide; 1x All other eligible purchases | $450 Priority Pass™ Select Lounge Access; $300 $300 Annual Travel Credit; $300 Sapphire Reserve Exclusive Tables Dining Credit (The maximum value of this benefit is up to $300); $288 Apple TV & Apple Music Subscription; $120 Global Entry, NEXUS, or TSA PreCheck® Credit (The maximum value of this benefit is up to $120); $100 Chase Sapphire Lounge® by The Club Access |
| [American Express Platinum Card®](https://www.cardratings.com/details/credit-card/platinum-card-from-american-express?src=702499) | As high as 175,000 points — After spending $12,000 in the first 6 months from account opening. Welcome offers vary and you may not be eligible for an offer. — Offer terms apply. | $895 ([Rates & Fees](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/91101-10-0#offer-terms)) | 5x Flights booked through American Express Travel® (Cap of $500,000 per calendar year is combined across flights booked through American Express Travel® and flights purchased directly from airlines.); 5x Flights purchased directly from airlines (Cap of $500,000 per calendar year is combined across flights purchased directly from airlines and flights booked through American Express Travel®.); 5x Prepaid hotel bookings through American Express Travel® (Includes Fine Hotels + Resorts® and The Hotel Collection bookings through American Express Travel®. No stated cap for hotel bookings.); 1x All other eligible purchases | $850 Global Lounge Collection Access; $600 Hotel Credit (The maximum value of this benefit is up to $600); $400 Resy Credit + Platinum Nights℠ by Resy (The maximum value of this benefit is up to $400); $320 Uber Cash + Uber One Credit (The maximum value of this benefit is up to $320); $300 Digital Entertainment Credit (The maximum value of this benefit is up to $300); $300 lululemon Credit (The maximum value of this benefit is up to $300); $219 CLEAR+ Credit (The maximum value of this benefit is up to $219); $200 Airline Fee Credit (The maximum value of this benefit is up to $200); $155 Walmart+ Credit (The maximum value of this benefit is up to $155); 24/7 Member Services; Fine Hotels + Resorts® Noon Check-In & 4PM Late Check-Out |
## Summary
The new [{*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*}](https://www.cardratings.com/bestcards/featured-credit-cards?shnq=4048084&src=702499var2=pointme_channel-mk_place-bl_page-csr review) is a powerful tool in the wallet of true road warriors, with credits that can easily save you thousands of dollars on dining, lifestyle, and travel expenses. The best new benefits include the two semi-annual dining credits and The Edit hotel credits, which can easily cover a special date night or weekend getaway. However, the card’s new {*credit_card_id*:*4048084*,*field*:*annual_fees*,*api*:*cc*,*case*:*uf*,*placeholder*:*$795*} annual fee is nearly untenable for infrequent travelers. If you’ve held onto the {*credit_card_id*:*4048084*,*field*:*card_name*,*api*:*cc*,*case*:*uf*,*placeholder*:*Chase Sapphire Reserve®*} in hopes of eking full value out of its many benefits, the upcoming price increase is your sign that it’s time to give up and downgrade to the perfectly serviceable Chase Sapphire Preferred (or even the no-annual-fee Chase Freedom Unlimited).
***Advertiser Disclosure: ****Some links to credit cards and other products on this website will earn an affiliate commission. Compensation may affect how and where the cards appear on the site, and we do not include all card companies and all available card offers. Opinions, reviews, analyses, and recommendations have not been reviewed, endorsed, or approved by any of these affiliate entities. point.me has partnered with CardRatings for our coverage of credit card products. point.me and CardRatings may receive a commission from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. All information about American Express cards have been collected independently by point.me. American Express cards are no longer available through point.me.*
American Express Platinum Card® [see rates and fees](https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/91101-10-0#offer-terms); terms apply.