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

Amex has a leg-up over Chase when it comes to luxury, perks and rewards.

The winner: American Express® Gold Card

60,000-point

Welcome offer after spending $4,000 in first 6 months

  • Choose from two designs: Gold or Rose Gold
  • 4x points on restaurants, including delivery
  • 4x points at US supermarkets (on up to $25,000 annually, then 1x)
Apply now
Terms apply, see rates & fees

The American Express® Gold Card has a high $250 annual fee and earns up to 4x points on its earning categories, while offering a welcome offer worth up to $600 in redemption value based on our calculations at the time of writing (Terms apply, see rates & fees). The Chase Sapphire Preferred® Card on the other hand requires a $95 annual fee and earns 2x points on average, all while sporting a superior 100,000 point welcome offer. Here’s a closer breakdown of these two travel cards.

The winner: American Express® Gold Card

The American Express® Gold Card is the winner as it offers higher earning rates, statement credits and additional perks, offering a higher overall value even with the larger annual fee. But consider each card’s membership programs as well. How you feel about the Amex Membership Rewards program or Chase Ultimate Rewards program will likely play a larger role in which card you decide to choose.

Who should get the American Express® Gold Card?

The Amex Gold is a great pick if you’re looking for a travel card with great baked-in value, but don’t want to pay the large annual fee of The Platinum Card® from American Express. It’s also one of the essential picks for the Amex trifecta.

Who should get the Chase Sapphire Preferred® Card?

Like the Amex Gold Card, the Chase Sapphire Preferred® Card is a great “mid-level” travel card, though the Amex Gold Card is slightly higher-end thanks to its larger annual fee. If you’re looking to dip your toes in the Chase Ultimate Rewards program, this card is also a great way to do that as you’ll have point transfer capabilities with the Chase Sapphire Preferred® Card.

American Express® Gold Card

American Express® Gold Card

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Generous points on dining and US supermarkets
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 6 months

100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®

Rewards
Rewards

4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases

5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

See Pay Over Time APR

15.99% to 22.99% variable

Annual fee
Annual fee $250 $95
Balance transfer APR
Balance transfer APR N/A 15.99% to 22.99% variable
Cash advance
Cash advance

APR: 25.24% variable

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

APR: 24.99% variable

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

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 21 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Other Credit
Learn more
Learn more

Read review

Read review

Best welcome offer: Chase Sapphire Preferred® Card

In terms of sheer numbers, the Chase Sapphire Preferred® Card wins out here. It’s welcome offer is currently worth $1,250 in value, which is the highest ever offered on a Chase flagship card. This outstrips the value of the Gold card’s offer by up to $800 on average based on Finder’s current valuations.

Best rewards: American Express® Gold Card

Amex sports the higher-earning rates between the American Express® Gold Card and the Chase Sapphire Preferred® Card, albeit up to a spending cap. You’ll earn an unlimited 3x points on directly booked flights, an unlimited 4x points at restaurants and Uber Eats, and 4x points at supermarkets on up to $25,000 annually. After that, you’ll earn 1x points, and you earn 1x points on all other categories. The Chase Sapphire Preferred® Card earns less in its categories at 2x points on travel and dining, and 5x points on the limited time Lyft category.

At first glance, it looks like the annual purchase cap might put a hamper on the earning potential of the American Express® Gold Card. But the earning cap only applies to supermarket purchases, leaving most families with more than enough room to maximize their earnings.

Note that for simplicity’s sake, we have not taken into account the recent additions to the rewards of the Chase Sapphire Preferred® Card in response to the pandemic. For what its worth, the Chase Sapphire Preferred® Card gained 3x points on gas, 5x points on select streaming services and 5x points on DoorDash and Tock services. The American Express® Gold Card received no comparable additions.

Best annual fee: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card features a lower annual fee at $95. The American Express® Gold Card‘s annual fee is more than double that at $250. This puts the American Express® Gold Card as closer to an “upper mid-tier” card rather than a true mid-tier card. A card in Amex’s lineup closer to the Chase Sapphire Preferred® Card in this regard is the American Express® Green Card.

Feature-wise, the American Express® Gold Card‘s higher annual fee does bring a few additional features to the table compared to the Chase Sapphire Preferred® Card.

Best perks and features: American Express® Gold Card

Both the American Express® Gold Card and Chase Sapphire Preferred® Card offer a smattering of travel perks, such as baggage insurance and car rental insurance, as well as access to shopping programs that can net you bonus points on select purchases. Both cards also allow you to transfer points to other to travel partners, resulting in a big boost to overall point value.

The larger annual fee on the American Express® Gold Card does however allow Amex to offer a few additional perks, such as access to The Hotel Collection perks, annual statement credits select dining, Uber Cash credits and assorted ShopRunner perks after enrollment.

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

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
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