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JP Morgan Reserve Card vs. The Platinum Card® from American Express

Two premium credit cards for traveling in style.

The winner: The Platinum Card® from American Express

Up to $7,000

In welcome offer value

  • Biggest welcome offer on the market: Valued up to $7,000
  • 10x points at restaurants and US Shop Small vendors on up to $25,000 combined in the first 6 months
Apply now
Terms apply, see rates & fees
These two premium cards differ in many ways. The JP Morgan Reserve Card is an invitation-only card with a $595 annual fee, a solid welcome offer and 3x points on travel and dining. The Platinum Card® from American Express, on the other hand, comes with a $695 annual fee (Terms apply, see rates & fees), a generous welcome offer and you’ll earn 5x points on flights booked directly with airlines or American Express Travel on up to $500,000 annually (then 1x points) and 5x points on prepaid hotels booked at American Express Travel. On all other purchases, you’ll earn 1x points.

Learn more about these cards’ features in the table below.

JP Morgan Reserve Card

JP Morgan Reserve Card

Terms apply, see rates & fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Terms apply, see rates & fees

Finder rating
Finder rating Not rated yet

★★★★★

4.4 / 5.0
Best for
Best for
  • An invitation-only status symbol
  • Excellent travel rewards
Welcome offer
Welcome offer

$300 annual travel credit

100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe

Rewards
Rewards

3x points on travel and dining

10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases

Purchase APR
Purchase APR

See issuer's website

See Pay Over Time APR

Annual fee
Annual fee $595 $695
Balance transfer APR
Balance transfer APR

N/A

N/A
Cash advance
Cash advance N/A

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40
Additional cardholder fee
Additional cardholder fee $175
Interest-free period
Interest-free period None 25 days
Minimum credit score
Minimum credit score N/A 670
Card type
Card type Credit Other
Learn more
Learn more

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Compare JP Morgan Reserve Card vs. The Platinum Card® from American Express

Name Product Welcome offer Rewards Annual fee Filter values
JP Morgan Reserve Card
JP Morgan Reserve Card
$300 annual travel credit
3x points on travel and dining
$595
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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