American Express Gold Card vs Chase Sapphire Preferred Card
Compare the American Express Gold Card ($325/yr) against the Chase Sapphire Preferred Card ($95/yr) to see which card earns you more rewards based on your spending.
See how the American Express Gold Card and Chase Sapphire Preferred Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | American Express Gold Card | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $325 | $95 |
| Sign-Up Bonus | 60,000 points after $6,000 spend in 6 months | 75,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 3% | 5% |
| Dining Rewards | 4% (up to $50,000/yr) | 3% |
| Grocery Rewards | 4% (up to $25,000/yr) | 3% |
| Key Benefits | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. |
| Issuer | American Express | Chase |
Quick Summary
The American Express Gold Card has a $325 annual fee ($230/year more than Chase Sapphire Preferred Card).
Both cards have the same base reward rate (1.0%).
Which Card is Better for Your Spending?
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