Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Prime Visa (no annual fee) and the American Express® Gold Card ($325/yr) comes down to where you spend most. Amex Gold Card needs about $905 a month in groceries, counting that spending alone, to make up its $325 higher annual fee over Prime Visa. Below that, Prime Visa comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 4% (up to $50,000/yr). 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Apply Now| Feature | Prime Visa | American Express Gold Card |
|---|---|---|
| Annual Fee | $0 | $325 |
| Sign-Up Bonus | $150 after $0 spend in 1 months | 100,000 points after $8,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 1% | 3% |
| Dining Rewards | 2% | 4% (up to $50,000/yr) |
| Groceries Rewards | 1% | 4% (up to $25,000/yr) |
| Gas Rewards | 2% | 1% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
5% on prepaid hotels through AmexTravel.com Earns 5% only on prepaid hotels booked through AmexTravel.com or the Amex Travel App, Amex's own booking site. Hotels booked direct earn 1%. |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. |
Prime Visa pulls ahead for gas spending.
American Express Gold Card wins on travel, dining, groceries.
The $325/year fee difference means American Express Gold Card needs to earn about that much more in rewards to justify its cost.
American Express Gold Card carries $424/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.