Card details are not live. Rewards, fees and offers change often. Each card below shows when its terms were read from the issuer’s page, so check the issuer’s site for today’s figures before you apply. Terms were read in October 2026 (Platinum Card, Sapphire Reserve, Sapphire Preferred, Venture Rewards).
Your answer
Sapphire Reserve looks like the better fit for you
After its $795 annual fee, it is worth about $903 a year to you, which is $199 more than the Platinum Card.
- Worth it
Sapphire Reserve gives you about $1,698 back for a $795 fee.
- Worth it
Platinum Card gives you about $1,599 back for a $895 fee.
- Worth it
Sapphire Preferred gives you about $627 back for a $95 fee.
- Worth it
Venture Rewards gives you about $501 back for a $95 fee.
“Worth” means net annual value: the rewards you would earn, plus the credits you would actually use, minus the annual fee. Open a card’s value breakdown below to see every line.
Step 2
Compare the cards
Ranked by what each card is worth to you after its annual fee. Open a card's value breakdown to see every line.
Credits and earn rates were checked against each issuer’s card page in October 2026 and simplified for this model. Point values are estimates, and welcome offers are not counted. Check current terms with the issuer before you apply.