PerkMath The Credit Ledger

Is your $795 card actually paying you back?

Check the perks you'd use, enter your spend, and see your real Year 1 and Year 2+ return on the Chase Sapphire Reserve and Amex Platinum — for one card, both, or neither.

PerkMath · Chase Sapphire Reserve vs. Amex Platinum ↗ FREE · NO AFFILIATE LINKS
Your verdict appears here. Pick the perks you’ll actually use and your spend below — the math updates live.
Both cardsi

Your spending & assumptions

Spend amounts are per:

Pre-filled with typical spending for a young professional in NYC — switch the period or edit any field to match yours.

Conservative default — raise it if you transfer points to airline/hotel partners (values from The Points Guy).
Conservative default — raise it if you transfer points to airline/hotel partners.
Year 1 only — confirm live offer
Year 1 only — confirm live offer

Check a credit to count its full value, or click the slider icon to set a partial amount.

Check a credit to count its full value, or click the slider icon to set a partial amount.

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How the math works. Net value = (credits you'll redeem + rewards earned on your spend) − annual fee. Year 1 adds the sign-up bonus; Year 2+ does not. ROI% = net ÷ annual fee. A card/both is "worth keeping" when its Year 2+ net is positive. Rewards use each category's points multiplier (shown on each field) times your point value. Check a credit to count its full value, or click its slider icon to set a partial amount (0 to full) — a $300 credit is only worth $300 if you'd use all of it. Lounge/status sliders are open estimates; Global Entry is amortized per year. Both cards assigns each spend category to whichever card earns more (so the same dollar is never counted twice), and splits identical credits like Global Entry 50/50.
Figures reflect the 2025 refreshed cards. Sign-up bonuses change often — confirm the live offer. Sources: CSR credits (TPG), Amex Platinum 2025 refresh, Chase press release, Robinhood Platinum launch, Robinhood Gold Card.
Privacy: the numbers you enter are logged anonymously (no name, email, or account info) to improve the tool. No affiliate links.
Worth-it guides: Is the Sapphire Reserve worth it? · Is the Amex Platinum worth it? · Should you get both? · CSR vs. Amex Platinum · Sapphire Preferred · Amex Gold · Venture X · Bilt · Platinum without travel · CSR by spend · The full study · Lounge map
Free, independent tool by PerkMath — open the full version for sources & how the math works ↗