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American Express Gold Card vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | American Express Gold CardAmerican Express | Chase Sapphire PreferredChase |
|---|---|---|
| Rating | 4.7/5 | 4.8/5 |
| Annual Fee | $325 | $95 |
| APR | 20.24% - 29.24% | 19.24% - 27.49% |
| Signup Bonus | Up to 100,000 points after spending $6,000 in 6 months (targeted) | 75,000 points after spending $5,000 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 | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X 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 | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend No foreign transaction fees |
| Cons | $325 annual fee (offset by credits) No 0% intro APR offer American Express not accepted everywhere | $95 annual fee No airport lounge access Limited premium perks vs. Reserve |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the American Express Gold Card (4.7/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.