i think Amex Plat is a much better product. In regards to auto coverage, return protection, trip interruption Amex is 1000% better. Good luck dealing with Chase for any of the above issues.
You also get real elite benefits with SPG and Hilton. The Centurion Lounges and Delta Lounge benefits are REAL benefits. You also get bonuses on miles transfers. The BA one right now is great. last year the Virgin one with Gold status was great etc. The Amex offers like spend $300 on travel get $50 cash back is great. These are real benefits I use regularly. fHR is another great product.
Getting bonus points on dinning and travel is not a reason to call the reserve a better card. If an extra $100 travel credit makes it a better deal than Amex you are not using the real benefits of Amex Plat.
And if you are the kind of person that spends a lot on travel the insurance benefits of Amex Platinum are far more valuable then extra bonus points using chase