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Card vs Card Comparison

Amex Gold
vs
Chase Sapphire Preferred.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

Currently around 60K to 100K points after spend, see issuer for the current offer

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →5x on Chase Travel
  • →3x on dining, online grocery, and streaming
  • →2x on other travel

Top perks

  • →$50 annual hotel credit on Chase Travel
  • →10% point bonus on your cardmember anniversary
  • →Primary rental car insurance
See Chase Sapphire Preferred detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

Chase Sapphire Preferred wins if

Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.

At a glance

Side-by-side spec sheet.

SpecAmex GoldChase Sapphire Preferred
Annual fee$325$95
Points currencyMembership RewardsUltimate Rewards
Signup bonusCurrently around 60K to 100K pointsCurrently around 75K points
Top earn category4x on restaurants worldwide5x on Chase Travel
Second earn category4x on US supermarkets (up to $25K per year)3x on dining, online grocery, and streaming
Third earn category3x on flights booked direct or on Amex Travel2x on other travel
Signature perk$120 Uber Cash ($10 per month)$50 annual hotel credit on Chase Travel
IssuerAmerican ExpressChase

Questions

Frequently asked.

Which is better, Amex Gold or Chase Sapphire Preferred?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Can I have both the Amex Gold and the Chase Sapphire Preferred?

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Yes. These are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Gold or Chase Sapphire Preferred?

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Amex Gold has the higher annual fee at $325, compared to $95 for Chase Sapphire Preferred. Whether the pricier card is worth the difference depends on which credits and perks you use each year.