Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Platinum Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire Preferred

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Prepaid hotels (AmexTravel.com) · Membership Rewards
  • 5×Flights · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • $219 CLEAR+ Credit · $219
Full American Express Platinum review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$750
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer