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Does anyone own BOTH Chase Sapphire Reserve & Amex Platinum?

Does anyone own BOTH Chase Sapphire Reserve & Amex Platinum?

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Old Apr 9, 18, 11:49 am
  #1  
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Does anyone own BOTH Chase Sapphire Reserve & Amex Platinum?

Trying to understand if this makes sense or just a waste of money.

Thanks!
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Old Apr 9, 18, 12:18 pm
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Yup. I have them both, but I think come renewal I'd have to consider canceling one of them.
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Old Apr 9, 18, 12:48 pm
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mia
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Moderator observation

We have had two long threads comparing Sapphire Reserve with Platinum:

2016: How will Amex counter the Chase Sapphire Reserve Card?

2017: AMEX Platinum vs Chase Sapphire Reserve

I'm not sure there is much new to say on the topic, until the next refresh of either product.

---------------------------------

My own view is that Sapphire Reserve aligns more closely with Citi Prestige, and (as long as the annual fees are reduced by travel credits) I think there is a good case for holding Platinum plus one of the other two, but generally not all three.
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Old Apr 9, 18, 1:11 pm
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I have both and see them as different products.
  • Amex Plat is a benefits card that has 5x on airfare.
  • CSR is a points earning card.
I only put airfare on the Amex Plat. I put any other travel and dining on the CSR.
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Last edited by JHake10; Apr 9, 18 at 9:54 pm
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Old Apr 9, 18, 1:32 pm
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I have both and plan to keep them both.

I save thousands of dollars a year with the Amex Platinum IAP program and FHR. I use Chase for my dining charges and primary car rental insurance coverage.
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Old Apr 9, 18, 3:16 pm
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I also have both and plan to keep them both. For the Sapphire I like the 3X points on travel and dining, and for the Amex I like the Centurion Lounge and FHR. Combined with the annual travel credits on each, those things make it worth it to me. I'm sure that people who enjoy doing such things can find myriad ways to explain that one can get the same benefits cheaper without having both cards, but I don't really feel the need to micromanage my finances to that degree. I find that I get sufficient value from each card that the annual fee is a non-issue.
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Old Apr 9, 18, 3:27 pm
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Originally Posted by mia View Post
My own view is that Sapphire Reserve aligns more closely with Citi Prestige, and (as long as the annual fees are reduced by travel credits) I think there is a good case for holding Platinum plus one of the other two, but generally not all three.
I concur. I chose the Citi Prestige to pair with the Platinum.
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Old Apr 9, 18, 3:32 pm
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RIght - the Amex Platinum is really about the perks, not the spend, with the exception of the 5x on airfare.

The CSR is all about the spend - the only useful perk, to me, is the PriorityPass membership.
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Old Apr 9, 18, 4:14 pm
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Have both as well as the Ritz. I come out ahead with all 3 every year.

Amex - Perks, FHR, and concierge.
CSR - Daily driver.
Ritz - Infinite $100 savings on airfare.
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Old Apr 9, 18, 4:21 pm
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Originally Posted by Troopers View Post
I concur. I chose the Citi Prestige to pair with the Platinum.
Agreed. One or 2 uses of the 4th night free basically makes the Prestige a nearly $0 net AF card (assuming you'd stay the 4 nights anyway).
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Old Apr 9, 18, 4:38 pm
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Just to be clear, I have all three, and I'm all set keeping all three as long as the programs stay this way. Each is a net positive for me, each year.
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Old Apr 9, 18, 4:48 pm
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Originally Posted by Troopers View Post
I concur. I chose the Citi Prestige to pair with the Platinum.
Originally Posted by krazykanuck View Post
Agreed. One or 2 uses of the 4th night free basically makes the Prestige a nearly $0 net AF card (assuming you'd stay the 4 nights anyway).
Wouldn't it make sense to also book hotels via Amex Travel for 5x MRs? Or does that method not accrue hotel points and qualifying nights compared to the Citi Prestige Concierge booking on your behalf?
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Old Apr 9, 18, 5:03 pm
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Originally Posted by mia View Post
We have had two long threads comparing Sapphire Reserve with Platinum:

2016: How will Amex counter the Chase Sapphire Reserve Card?

2017: AMEX Platinum vs Chase Sapphire Reserve

I'm not sure there is much new to say on the topic, until the next refresh of either product.

---------------------------------

My own view is that Sapphire Reserve aligns more closely with Citi Prestige, and (as long as the annual fees are reduced by travel credits) I think there is a good case for holding Platinum plus one of the other two, but generally not all three.
FWIW, I think this thread really has a different focus that deserves a separate thread, so I hope we keep it. I've seen some of the comparison discussions, but it's interesting hearing from people who continue to maintain and hold both cards--they've already offered some insights I hadn't thought of.
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Old Apr 9, 18, 5:07 pm
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Originally Posted by Polytonic View Post
Wouldn't it make sense to also book hotels via Amex Travel for 5x MRs? Or does that method not accrue hotel points and qualifying nights compared to the Citi Prestige Concierge booking on your behalf?
A fourth night free via Citi Prestige is much much better than a non-refundable 5x MR booking via Amex Travel.
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Old Apr 9, 18, 5:39 pm
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Originally Posted by Troopers View Post
A fourth night free via Citi Prestige is much much better than a non-refundable 5x MR booking via Amex Travel.
Ah, I was under the impression that hotels on Amex Travel are cheaper than the lowest-available bookable rate similar to Amex IAP. (I don't have access to know for sure, so my mistake if that is the case; I appear to be misinformed).
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