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Which Is Better: Chase Ritz-Carlton or Amex Platinum Card?

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Many people have reported being targeted for the 100,000 point offer for The Platinum Card from American Express through the CardMatch Tool. Be sure to check for yourself to see what offers are available to you (there is no credit check)!

TPG reader @AGlobalAffair tweeted me to ask:

@thepointsguy– “How would you rate the benefits of the Chase Ritz-Carlton card versus the American Express Platinum card?”

One of the new credit cards I’ve gotten this year is the Ritz-Carlton Rewards Card from Chase. It’s a sturdy metal card that came with a sign-up bonus of 140,000 points, which will get me two free nights at a top-tier Ritz-Carlton property anywhere in the world. That more than pays for the $395 annual fee. Plus, the card comes with many other perks like airline rebates and club lounge upgrades when you’re staying at Ritz-Carlton properties. So for me, this card offers great value, especially because I like Ritz-Carlton hotels.

But in general, which card has better benefits: Ritz-Carlton Rewards Card or the American Express Platinum?

Which card is better: The Ritz-Carlton card or the Amex Platinum? Photo courtesy of Shutterstock.
Which card is better: Ritz-Carlton Rewards or Amex Platinum? Photo courtesy of Shutterstock.

The Amex Platinum card is one of my favorites. I love the $200 a year airline rebate (which effectively brings the $450 annual fee down to $250). You get access to the Centurion Lounges at Laguardia (LGA), Dallas (DFW), San Francisco (SFO) and Las Vegas (LAS) with new ones opening soon in Miami (MIA) and Seattle (SEA). You also still get Delta SkyClub access and Priority Pass Select, a Global Entry application fee rebate, and more. So the benefits make this card worth it, even though the points earning potential isn’t that high. I carry the card even though I don’t put that much spending on it.

If I was forced to choose one or the other, I would take the Amex Platinum without a doubt. That being said, the Ritz-Carlton card has great value if you often stay at Ritz-Carlton hotels. Depending on your situation, either or even both of them could make sense. These posts have more info on each card that can help you decide:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at

The Platinum Card® from American Express

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  • Earn 40,000 Membership Rewards® points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • 5X points for flights booked directly with airlines or with American Express Travel.
  • $200 Airline Fee Credit, up to $200 a year for baggage fees and more at one airline. Terms Apply.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations worldwide. Terms Apply.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors™ Gold Status with your Platinum Card.®
  • No interest charges because you pay your balance in full each month.
  • Terms and Conditions apply.
  • See Rates & Fees
Intro APR Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A N/A $450 0% Excellent Credit