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American Express Gold Card vs Chase Freedom Unlimited
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | American Express Gold CardAmerican Express | Chase Freedom UnlimitedChase |
|---|---|---|
| Rating | 4.7/5 | 4.6/5 |
| Annual Fee | $325 | $0 |
| APR | 20.24% - 29.24% | 18.24% - 27.74% |
| Signup Bonus | Up to 100,000 points after spending $6,000 in 6 months (targeted) | $250 bonus after spending $500 in 3 months |
| Rewards Rate | 4X on dining (up to $50K/yr), 4X on U.S. groceries (up to $25K/yr), 3X on flights, 1X on everything else | 5% on travel via Chase, 3% on dining & drugstores, 1.5% on everything else |
| Credit Score | good | good |
| Pros | 4X on dining ($50K cap) and U.S. groceries ($25K cap) is industry-leading $120 dining credit + $120 Uber Cash annually Transfer to 20+ airline and hotel partners | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers |
| Cons | $325 annual fee (offset by credits) No 0% intro APR offer American Express not accepted everywhere | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks |
| View Details → | View Details → |
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Verdict
Our Pick: American Express Gold Card
With a 4.7/5 rating, the American Express Gold Card edges out the Chase Freedom Unlimited (4.6/5). At $325/yr, the value proposition is strong. If you love food and travel, the Amex Gold is your card. With 4X on restaurants and groceries worldwide, plus annual dining and Uber credits that nearly offset the fee, it's a premium card disguised as a mid-tier one.