Amex Platinum vs Sapphire Reserve
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Amex Platinum | Sapphire Reserve |
|---|---|---|
| Annual fee | $695 | $550 |
| Welcome bonus (est.) | $1,600 | $1,260 |
| Dining | 2% | 6% |
| Groceries | 2% | 2% |
| Gas | 2% | 2% |
| Travel | 2% | 6% |
| Online shopping | 2% | 2% |
| Entertainment | 2% | 2% |
| Transit | 2% | 2% |
| Everything else | 2% | 2% |
| Net rewards / yr | -$184 | $297 |
The verdict: Amex Platinum vs Sapphire Reserve
On a typical US spending profile, the Sapphire Reserve comes out ahead — about $481 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Amex Platinum: ~$511 in rewards before fees. Sapphire Reserve: ~$847 before fees.
Reviews & calculators
Amex Platinum review · Sapphire Reserve review · Amex Platinum calculator · Sapphire Reserve calculator · Interactive compare
Frequently asked questions
- Is Amex Platinum or Sapphire Reserve better?
- On a typical US spending profile, Sapphire Reserve delivers about $481 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Amex Platinum vs Sapphire Reserve?
- Amex Platinum: $695/year. Sapphire Reserve: $550/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.