How to Get the Most Out of Amex Platinum and Sapphire Reserve

American Express spent about 1.95 billion dollars on card member benefits and services in the second quarter of 2026, up from about 1.3 billion a year earlier. The video shows how to get the most out of the Amex Platinum and the Chase Sapphire Reserve, straight from the banks' own filings and card pages; where we do our own math, we say so.

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In the second quarter of 2026, Amex spent 50% more on card member benefits and services than a year earlier. Here's how to get the most of an Amex Platinum ($895) or a Chase Sapphire Reserve ($795): what the fee buys, why members keep signing up, how Amex's spending on rewards and benefits compares with its card fees, JPMorgan's "higher annual fees, predominantly offset by lower net interchange", when your points don't expire, who these cards are built for, what Chase's page says about the J.P. Morgan Reserve, how to use the Platinum's credits, and the line Amex wrote to its investors. Plus three ways to get more from a premium card. Facts, not financial advice.

Watch next:
How to Protect Your Money From Inflation (Official Data): https://youtu.be/NCKjORQOTWU

Chapters
0:00 Intro
0:49 What You Pay
2:31 What You Get
3:45 The Bank's Side
4:40 Your Points
5:31 Who They're For
6:52 The Credits
7:30 The Line
8:26 Three Ways To Get More

Sources
- SEC, Investor.gov, Form 10-K: https://www.investor.gov/introduction-investing/investing-basics/glossary/form-10-k
- SEC, Investor.gov, Form 10-Q: https://www.investor.gov/introduction-investing/investing-basics/glossary/form-10-q
- American Express Company, Form 10-K for 2025: https://www.sec.gov/Archives/edgar/data/4962/000000496226000080/axp-20251231.htm
- American Express Company, Form 10-Q, Q2 2026: https://www.sec.gov/Archives/edgar/data/4962/000000496226000322/axp-20260630.htm
- JPMorgan Chase & Co., Form 10-K for 2025: https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
- JPMorgan Chase & Co., Form 10-Q, Q2 2026: https://www.sec.gov/Archives/edgar/data/19617/000162828026054343/jpm-20260630.htm
- CFPB, The Consumer Credit Card Market (Dec 2025): https://files.consumerfinance.gov/f/documents/cfpb_consumer-credit-card-market-report_2025.pdf
- CFPB, How to find the best credit card for you: https://files.consumerfinance.gov/f/documents/cfpb_adult-fin-ed_how-to-find-the-best-credit-card.pdf
- Chase, The Most Rewarding Cards Are Here (June 23, 2025): https://media.chase.com/news/the-most-rewarding-cards-are-here
- Chase Sapphire Reserve page, June 13, 2025 (Internet Archive): https://web.archive.org/web/20250613042253/https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
- Chase Sapphire Reserve page and benefits: https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve
- American Express Platinum Card: https://www.americanexpress.com/us/credit-cards/card/platinum/

Research and fact-checking: Wealth Filings. Henry is a fictional, illustrated presenter. This video is for information only, not financial advice.

Corrections and context
• Caption correction: at 2:42 the on-screen caption shows "6 oh $6 billion" and at 3:13 "6 oh 6 billion"; the narration says "six point oh six billion" ($6.06 billion).