This comparison covers four consumer travel cards with annual fees from $595 to $895 as of October 2026. The products combine lounge access, hotel benefits, and annual credits with points or cash back.
The Chase Sapphire Reserve annual fee is $795. The Citi Strata Elite annual fee is $595. The American Express Platinum Card annual fee is $895. The Robinhood Platinum Card annual fee is $695.
Product Overview
Chase Sapphire Reserve
The Chase Sapphire Reserve charges $795 a year. Priority Pass Select and Chase Sapphire Lounges each allow up to two guests. The card also includes a $300 annual travel credit and 3x points on dining worldwide.
Earning structure:
- 8x points on purchases through Chase Travel, including The Edit
- 4x points on flights booked direct with the airline
- 4x points on hotels booked direct
- 3x points on dining worldwide
- 1x point on other purchases
Purchases that receive the $300 travel credit or The Edit hotel credit do not earn points. Through September 30, 2027, Lyft rides earn 5x total points. Through December 31, 2027, eligible Peloton equipment and accessories over $150 earn 10x total points.
Citi Strata Elite
The Citi Strata Elite charges $595 a year. It includes Priority Pass Select for the cardmember and up to two guests, plus four American Airlines Admirals Club passes each calendar year.
Earning structure:
- 12x points on hotels, car rentals, and attractions booked on cititravel.com
- 6x points on air travel booked on cititravel.com
- 6x points on restaurant purchases during Citi Nights, Friday and Saturday from 6 p.m. to 6 a.m. ET
- 3x points on other restaurant purchases
- 1.5x points on all other purchases
American Express Platinum Card
The American Express Platinum Card charges $895 a year. Lounge access and statement credits account for more of the published benefit set than everyday earning.
Earning structure:
- 5x points on flights booked directly with the airline or through American Express Travel, up to $500,000 of those purchases per calendar year
- 5x points on prepaid hotels booked through American Express Travel
- 1x point on other purchases
Robinhood Platinum Card
The Robinhood Platinum Card charges $695 a year. The physical card is platinum-plated. Rewards are cash back, not transferable points. Robinhood requires a Robinhood Financial brokerage account to redeem that cash back.
Earning structure:
- 10% cash back on hotels and rental cars booked through the Robinhood app
- 5% cash back on flights booked through Robinhood
- 5% cash back on dining, up to $50,000 per calendar year, then 1%
- 1% cash back on other purchases
Dimension 1: Lounge Access
Lounge access differs by network, guest fee, and enrollment rule.
Lounge Network Comparison
| Card | Priority Pass | Centurion | Sky Club | Admirals | Sapphire Lounges |
|---|---|---|---|---|---|
| Sapphire Reserve | Unlimited visits, 2 guests, then $27 | No | No | No | Yes, 2 guests |
| Strata Elite | Unlimited visits, 2 guests, then $35 | No | No | 4 passes/year | No |
| Platinum (Amex) | Priority Pass Select, enrollment required | Included | 10 visits/year on Delta | No | No |
| Platinum (Robinhood) | Unlimited visits, $35 per guest | No | No | No | No |
Analysis
The Amex Platinum includes Centurion Lounge access, Priority Pass Select after enrollment, 10 Delta Sky Club visits per year when flying an eligible Delta flight, Plaza Premium, and other partner lounges. Sky Club visits apply from February 1 through January 31. Card members who spend $75,000 in eligible purchases in a calendar year receive unlimited Sky Club access for the rest of that year and the following year. American Express describes the collection as more than 1,550 lounges as of January 2026.
The Sapphire Reserve includes Priority Pass Select at 1,300+ lounges and Chase Sapphire Lounges, each with up to two guests. The card is charged $27 for each additional Priority Pass guest. Select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada, and Europe admit the cardmember and one guest when the cardmember is departing on a Star Alliance flight.
The Strata Elite includes Priority Pass Select at 1,500+ lounges for the primary cardmember, authorized users, and up to two guests. Not every lounge admits guests. Additional guests are $35. The card also provides four Admirals Club day passes per calendar year for nearly 50 Admirals Club lounges.
The Robinhood Platinum Card includes unlimited Priority Pass visits at 1,400+ lounges after enrollment in the app. Each guest is $35. Some lounges do not admit guests.
Dimension 2: Annual Credits
Each card includes statement credits. Amounts below are from issuer pages reviewed in October 2026. Some Chase and Robinhood credits end on a published date.
Credit Comparison
| Credit type | Sapphire Reserve | Strata Elite | Platinum (Amex) | Platinum (Robinhood) |
|---|---|---|---|---|
| Travel / hotel | $300 travel credit per account anniversary year. Up to $500 on The Edit, capped at $250 per prepaid stay, two-night minimum. | Up to $300 off one cititravel.com hotel stay of two nights or more per calendar year. Taxes and fees excluded. | Up to $600, issued as $300 semi-annually, on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. Hotel Collection stays must be two nights. | $300 on flights, issued as $150 every six months, booked with an airline or in the Robinhood portal. Hotel credit up to $250 every six months on a two-night portal stay, plus a $100 property credit per qualifying stay. |
| Dining | $300 at Exclusive Tables restaurants on OpenTable, split into $150 from January through June and $150 from July through December. | None | $400 at U.S. Resy restaurants, up to $100 per quarter. Enrollment required. | $250 at participating restaurants. The cap is $30 in January and $20 in each other month. Unused monthly credit does not roll over. |
| Transportation | $10 per month on Lyft rides through September 30, 2027. | $200 on Blacklane, split into $100 per half year. | $200 Uber Cash. That is $15 each month plus an extra $20 in December, for Uber rides and Uber Eats in the U.S. Up to $120 for an auto-renewing Uber One membership. | $250 on Waymo rides booked in the Waymo app. The cap is $20 per month from January through November and $30 in December. Unused monthly credit does not roll over. |
| Streaming | Complimentary Apple TV and Apple Music if activated by June 22, 2027. The card page lists the value at $324 a year. DashPass if activated by December 31, 2029, which Chase lists at $120. | None | $300, up to $25 per month, at participating streaming and news partners. Enrollment required. | Complimentary DashPass, plus $10 off one DoorDash order each month ($120 a year) after DashPass is activated. |
| Airline fees | None | None as a separate incidental-fee credit. American Airlines is one brand inside the Splurge Credit. | $200 per calendar year for incidental fees charged by one selected airline. | None |
| Wellness | $10 per month on eligible Peloton memberships through December 31, 2027. | None outside the Splurge Credit brands. | None at the prior wellness amount. See brand credits. | Function Health up to $365 a year. WHOOP purchases on whoop.com up to $239 a year through December 31, 2027. Sponsored Amazon One Medical membership, which Robinhood lists at $199. |
| Brand credits | StubHub and viagogo up to $300, split into $150 per half year, through December 31, 2027. Activation required. DoorDash promos up to $420 through December 31, 2029. | $200 Splurge Credit at up to two of 1stDibs, American Airlines, Best Buy, Future Personal Training, and Live Nation. Exclusions apply at American Airlines and Live Nation. | $300 at lululemon, up to $75 per quarter, at U.S. stores excluding outlets and at lululemon.com. Enrollment required. Up to $219 for an auto-renewing CLEAR+ membership, excluding taxes. Walmart+ up to $12.95 per month plus tax. | A one-time Eight Sleep credit of up to $1,000 ended on September 15, 2026. |
| Global Entry / TSA | Up to $120 every four years for Global Entry, TSA PreCheck, or NEXUS. | Up to $120 every four years for Global Entry or TSA PreCheck. | $120 every four years for Global Entry, or up to $85 for a TSA PreCheck application. | Up to $120 every four years for Global Entry or TSA PreCheck. |
Where each credit applies
The Sapphire Reserve $300 travel credit applies to airlines, hotels, car rentals, cruises, taxis, tolls, and parking, among other travel merchants. It does not require a Chase Travel booking. A separate credit of up to $500 applies only to prepaid stays with The Edit. That credit is capped at $250 per booking and requires two nights.
The Strata Elite hotel benefit is one cititravel.com stay of two nights or more, up to $300 off, once per calendar year. Blacklane is capped at $100 per half year. The Splurge Credit is limited to two brands from a fixed list.
The Amex Platinum hotel credit posts only on prepaid Fine Hotels + Resorts or Hotel Collection bookings through American Express Travel, up to $300 per half year. Resy, digital entertainment, lululemon, and the airline fee credit require enrollment or a selected airline. Uber Cash is monthly and does not roll over unused amounts.
The Robinhood Platinum flight credit is $150 every six months and applies to flights charged by an airline or booked in the Robinhood portal. The hotel statement credit is $250 every six months and applies only to premium stays of two nights or more booked in that portal. Robinhood’s benefits terms, updated August 25, 2026, title that hotel benefit as $700 in hotel statement credits. Dining, DoorDash, and Waymo credits expire at the end of the month if unused.
Dimension 3: Earning Rates
Earn rates differ by purchase type.
Base Rate Comparison
| Purchase type | Sapphire Reserve | Strata Elite | Amex Platinum | Robinhood Platinum |
|---|---|---|---|---|
| Issuer portal | 8x on Chase Travel | 12x hotels, cars, and attractions. 6x air. | 5x prepaid hotels. 5x flights booked direct or through Amex Travel. | 10% hotels and rental cars. 5% flights booked through Robinhood. |
| Flights booked direct | 4x | 1.5x | 5x, inside the $500,000 yearly flight cap | 1% |
| Hotels booked direct | 4x | 1.5x | 1x | 1% |
| Dining | 3x | 3x, or 6x on Citi Nights | 1x | 5% up to $50,000 a year, then 1% |
| Other | 1x | 1.5x | 1x | 1% |
Analysis
The Sapphire Reserve posts 3x on dining on every day of the week. Direct airline and hotel bookings earn 4x. Other travel merchants earn 1x unless the purchase is made through Chase Travel.
The Strata Elite posts 6x on restaurant purchases during Citi Nights, Friday and Saturday from 6 p.m. to 6 a.m. ET. Purchases outside the named categories earn 1.5x. A 1.5x rate posts 1.5 points per dollar. A 1x rate posts 1 point per dollar.
The Amex Platinum posts 1x on purchases outside flights and prepaid hotels booked through American Express Travel. Flights earn 5x whether booked with the airline or through American Express Travel, up to $500,000 per calendar year. The American Express Gold Card posts 4x at restaurants and at U.S. supermarkets, with published caps. That 4x rate is a different card.
Dimension 4: Transfer Partners
Chase Sapphire Reserve points, Citi Strata Elite points, and American Express Platinum Card points can transfer to airline partners. The Robinhood Platinum Card pays cash back instead. Redeeming that cash back requires a Robinhood Financial brokerage account.
Partner Network Overlap
Chase, Citi, and American Express share some airline partners, including British Airways and Air France/KLM. Published differences:
- Chase Ultimate Rewards: World of Hyatt and United
- ThankYou Points: American Airlines and JetBlue
- Membership Rewards: Delta and hotel programs, including Hilton and Marriott
Which Partners Each Issuer Lists
| Partner | Chase | Citi | Amex |
|---|---|---|---|
| Hyatt | Yes | No | No |
| United | Yes | No | No |
| American Airlines | No | Yes | No |
| Delta | No | No | Yes |
| Hilton | No | No | Yes |
| Marriott | No | No | Yes |
Transfer access is issuer-bound. Hyatt transfers sit with Chase. American Airlines transfers sit with Citi. Delta transfers sit with Amex.
Dimension 5: Hotel Benefits
Elite Status
| Card | Marriott Status | Hilton Status | IHG Status |
|---|---|---|---|
| Sapphire Reserve | None | None | Platinum Elite through December 31, 2027, after linking an IHG account |
| Strata Elite | None | None | None |
| Platinum (Amex) | Gold Elite | Gold Elite | None |
| Platinum (Robinhood) | None | None | None |
Spending $75,000 on a Sapphire Reserve in a calendar year unlocks World of Hyatt Explorist status and IHG One Rewards Diamond Elite status for the rest of that year and the next calendar year. Those statuses require enrollment after the spend threshold is met.
The Platinum provides Marriott Bonvoy Gold Elite and Hilton Honors Gold. Hilton Gold requires enrollment. Gold is mid-tier in both programs. Benefits typically include room upgrades when available, late checkout, and bonus points. The card also offers Leaders Club Sterling status from The Leading Hotels of the World after enrollment.
Premium Hotel Programs
Fine Hotels + Resorts bookings through American Express Travel include breakfast for two, a $100 property credit, a room upgrade when available, noon check-in when available, and a stated 4 p.m. checkout. The Hotel Collection requires two nights and includes a $100 property credit. Both programs are available only through Amex Travel.
Robinhood premium hotel bookings in the app can include a $100 property credit, breakfast for two, early check-in, a room upgrade, and late checkout when the property offers them. Those are booking benefits, not elite status in a hotel loyalty program.
What Lounge Rules and Credits Change
Lounge networks
The American Express Platinum Card includes Centurion Lounge access, Priority Pass Select after enrollment, and 10 Delta Sky Club visits per year on an eligible Delta flight. Card members who spend $75,000 in eligible purchases in a calendar year receive unlimited Sky Club access for the rest of that year and the following year. American Express describes the collection as more than 1,550 lounges as of January 2026.
The Chase Sapphire Reserve includes Priority Pass Select and Chase Sapphire Lounges, each with up to two guests. Additional Priority Pass guests are $27.
The Citi Strata Elite includes Priority Pass Select with up to two guests, then $35 per additional guest, plus four Admirals Club day passes per calendar year.
The Robinhood Platinum Card includes unlimited Priority Pass visits after enrollment. Each guest is $35.
Travel credits
The Sapphire Reserve $300 travel credit applies to airlines, hotels, car rentals, cruises, taxis, tolls, and parking, among other travel merchants. It does not require a Chase Travel booking. The Edit credit of up to $500 requires a prepaid Chase Travel booking.
The Strata Elite base earn rate is 1.5x on purchases outside the named categories. Portal earning is 12x on hotels, car rentals, and attractions booked on cititravel.com. The card includes a $200 annual Splurge Credit at up to two brands from a fixed list. The Strata Elite review records a $145 annual-fee discount for some Citi bank customers.
Everyday earn rates
None of these four cards publishes a grocery multiplier in the earn tables above. The American Express Gold Card lists 4x on dining and U.S. supermarkets, with published caps, at a $325 annual fee.
Summary of System Constraints
| Dimension | Sapphire Reserve | Strata Elite | Amex Platinum |
|---|---|---|---|
| Annual Fee | $795 | $595 | $895 |
| Lounge rule | Priority Pass plus Sapphire Lounges, 2 guests | Priority Pass, 2 guests, plus 4 Admirals Club passes | Centurion, Priority Pass, 10 Sky Club visits |
| Credit constraint | $300 travel credit is not limited to Chase Travel | Hotel credit is one cititravel.com stay | Hotel credit is prepaid FHR or Hotel Collection |
| Everyday Earning | 1x | 1.5x | 1x |
| Dining Earning | 3x | 3x to 6x | 1x |
| Transfer partner | Hyatt | American Airlines | Delta |
| Hotel Status | IHG Platinum Elite through Dec 31, 2027 | None | Marriott Gold, Hilton Gold |
What the Published Limits Are
- Sapphire Reserve. The $300 travel credit is not limited to Chase Travel. Dining earns 3x. Hyatt is a transfer partner. The Edit hotel credit requires a prepaid stay.
- Strata Elite. The base rate is 1.5x. Citi’s partner list includes American Airlines. Restaurant purchases earn 6x during Citi Nights. The Splurge Credit is limited to two brands.
- Amex Platinum. Lounge access includes Centurion lounges and 10 Delta Sky Club visits per year unless the $75,000 spend rule is met. Hotel status includes Marriott Bonvoy Gold Elite and Hilton Honors Gold. The base earn rate is 1x.
- Robinhood Platinum. Rewards are cash back, and redemption requires a Robinhood Financial brokerage account. Dining earns 5% up to $50,000 per calendar year. Several monthly credits expire if unused.
