American Express® Gold Card vs. Chase Sapphire Preferred | finder.com

American Express® Gold Card vs. Chase Sapphire Preferred® Card

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Which of these two solid travel rewards cards should you apply for?

There’s no denying that the American Express® Gold Card and the Chase Sapphire Preferred® Card have desirable perks that would be a great addition to any wallet. That’s why we put both of these top travel rewards credit cards side by side so you can decide for yourself if either is right for you.

Since the American Express® Gold Card has features similar to a charge card, it might not be ideal for someone who plans on carrying a balance from month to month — but that’s just the tip of the comparison iceberg.

American Express® Gold Card

American Express® Gold Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

4.0 / 5.0
Best for
Best for
  • Generous points at US restaurants and US supermarkets
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer 35,000 points after spending $2,000 in the first 3 months 50,000 points after spending $4,000 in the first 3 months
Rewards
Rewards

3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)

2x points on travel and dining. 1x points on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

See Rates & Fees

18.24% to 25.24% variable

Annual fee
Annual fee $250 $0 the first year, then $95
Balance transfers
Balance transfers See Rates & Fees

APR: variable

Fee: $5 or 5% of the transaction, whichever is greater

Cash advance
Cash advance See Rates & Fees

APR: 27.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Late payment fee
Late payment fee Up to $38 Up to $38
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 21 days
Minimum credit score
Minimum credit score 680 670
Card type
Card type Other Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

American Express® Gold Card

American Express® Gold Card

  • Large welcome offer of 35,000 bonus Membership Rewards® Points when you spend $2,000 on purchases in the first 3 months
  • Ideal for high-spenders in eligible travel, dining, and groceries
  • $10 in dining statement credits monthly at select restaurants
  • $100 airline fee credit annually

The American Express® Gold Card lets you earn 3x points when you book flights directly with an airline. You'll also receive Hotel Collection perks including up to a $100 hotel credit when you book two or more consecutive nights.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Rewards for spending on travel and dining
  • 25% more value when you redeem points through Chase Ultimate Rewards
  • $0 annual fee for the first year (then $95)

Off the bat, the card comes with an annual fee of $95. You'll also have the flexibility to carry a balance from month to month. And if you're a frequent traveler, you'll enjoy the peace of mind that travel cancellation insurance can offer.

What’s next?

If the American Express® Gold Card or the Chase Sapphire Preferred® Card checks off all the boxes for what you’re looking for in a travel rewards card, you may want to fill out an application.

But if neither card seems like it would be useful for you, or if the annual fees seem too high, you can keep comparing credit cards until you find the one you’re certain will fit your wallet well.

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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