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

Which premium credit card is right for your wallet? Compare their fees, credits, and real-world value below.

American Express
American Express® Gold CardMembership Rewards
American Express® Gold Card card
Annual Fee
$325
Total credits
$620
Net value
+$295/yr
Welcome offer

As high as 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

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Earning rates

2x+ categories and everyday rate vs Chase Sapphire Preferred® Credit Card.

  • 4x
    Dining
    Up to $50,000
    Chase Sapphire Preferred® Credit Card: 3x
  • 3x
    Flights
    Chase Sapphire Preferred® Credit Card: 2x
  • 4x
    Groceries
    Up to $25,000
    Chase Sapphire Preferred® Credit Card: —
  • 5x
    Hotels
    Travel Portal Only
    Chase Sapphire Preferred® Credit Card: 2x
  • 2x
    Travel
    Travel Portal Only
    Chase Sapphire Preferred® Credit Card: 2x
  • 1x
    Everyday spending
    Chase Sapphire Preferred® Credit Card: 1x

Credits

Chase
Chase Sapphire Preferred® Credit CardUltimate Rewards
Chase Sapphire Preferred® Credit Card card
Annual Fee
$95
Total credits
$340
Net value
+$245/yr
Welcome offer

75,000 Ultimate Rewards points after you spend $5,000 in the first 3 months.

View full card →

Earning rates

2x+ categories and everyday rate vs American Express® Gold Card.

  • 3x
    Dining
    American Express® Gold Card: 4x · Up to $50,000
  • 2x
    Flights
    American Express® Gold Card: 3x
  • 3x
    Gas & EV Charging
    American Express® Gold Card: —
  • 2x
    Hotels
    American Express® Gold Card: 5x · Travel Portal Only
  • 3x
    Streaming
    American Express® Gold Card: —
  • 2x
    Transit
    American Express® Gold Card: —
  • 2x
    Travel
    American Express® Gold Card: 2x · Travel Portal Only
  • 3x
    Vacation Homes
    American Express® Gold Card: —
  • 1x
    Everyday spending
    American Express® Gold Card: 1x

Credits

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