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

Feb 8, 2015

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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 info@thepointsguy.com.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.