American Express® Gold Card vs. Chase Sapphire Preferred Card: Which Is Best for You?
The American Express® Gold Card and Chase Sapphire Preferred Card are solid options for consumers looking for valuable rewards for travel and dining purchases. MoneyGeek compared the offerings of these two cards to help you make an informed decision about which credit card is best suited to your lifestyle and spending habits.
The Chase Sapphire Preferred Card and the American Express® Gold Card are two popular travel reward credit cards with similar benefits. Both of these cards offer generous sign-up bonuses, with each card providing 60,000 bonus points after you spend $4,000 on purchases in your first three months and six months respectively from account opening. In addition, they both have no foreign transaction fee and you earn points redeemable for airline tickets and hotel stays. But there are important differences to consider before picking one over another.
Comparison Overview: American Express® Gold Card vs. Chase Sapphire Preferred Card
- American Express® Gold CardChase Sapphire Preferred Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
American Express® Gold Card At a Glance
The American Express® Gold Card has a $250 annual fee and requires good to excellent credit score to be approved. It comes with a variety of perks, including $10 in Uber Cash and dining credit respectively each month, for a total of up to $240 in credits per year.
- American Express® Gold Card
Best rewards card for frequent fliers and diners
- Good-ExcellentRecommended Credit
- $250Annual Fee
- 1–4 Points per $1Rewards Rate
- 4xRewards Rate on Groceries
- 3xRewards Rate on Air Travel
Chase Sapphire Preferred Card At a Glance
The Chase Sapphire Preferred Card is one of the best rewards credit cards on the market today. With a bonus of 60,000 Ultimate Rewards points (worth $750 when redeemed through Chase Ultimate Rewards), it also earns 3x points per dollar on dining at restaurants, 5x total points on travel purchased through Chase Ultimate Rewards, 3x points per dollar on online grocery purchases and streaming services. However, to get approved for the Sapphire Preferred, you’ll need to have excellent credit; otherwise, you may not be approved.
- Chase Sapphire Preferred Card
A very good rewards card with no foreign transaction fees and comprehensive travel cover
- ExcellentRecommended Credit
- $95Annual Fee
- 1–2 Points per $1Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate on Dining
MoneyGeek compares both travel reward credit cards. This comparison highlights how these two travel reward credit cards compare in many categories to help you figure out which card is best for your specific needs.
- Card DetailComparison Summary
Travel Coverage and Purchase Protection
When you travel more than 100 miles from home, Amex gives 24/7 emergency support and secures every transaction with SafeKey technology, Purchase Protection and Return Protection, and cardholders also get 24/7 fraud monitoring.
Chase provides real-time security monitoring with instant fraud notifications through text, email, or phone. The Chase Sapphire Preferred Card credit card also features chip protection to further secure your identity.
Winner: American Express® Gold Card
The Chase Sapphire Preferred Card offers 60,000 extra points after spending $4,000 in the first three months, while the American Express® Gold Card offers 60,000 bonus points after spending $4,000 in the first six months.
You earn 5x points on Chase Ultimate Rewards travel, 3x points on dining and 2x points on all other travel purchases. All Lyft trips will earn you 5X points from now until March 2022.
The American Express® Gold Card offers 4x Membership Rewards points at restaurants and U.S. supermarkets, 3x points when booking flights directly with the airline or through amextravel.com and 1x points on all other eligible purchases through the American Express Membership Rewards Program.
Winner: American Express® Gold Card
The annual cost for the Chase Sapphire Preferred Card is $95 per year. The annual fee for the American Express® Gold Card is $250.
Winner: Chase Sapphire Preferred Card
There are 13 transfer partners to select from with Chase Ultimate Rewards, and American Express Membership Rewards has its own set of valued partners as well. By redeeming points via the Chase Ultimate Rewards travel portal, Chase Sapphire Preferred Cardholders earn a 25% bonus.
Winner: Chase Sapphire Preferred Card
Which Card Should You Get?
Both cards provide value that fulfill the needs of different consumers. Your travel reward credit card should be chosen based on your spending habits and requirements.
Who Should Consider the American Express® Gold Card?
The American Express® Gold Card is ideal for frequent travelers and those who dine out regularly.
The Amex Gold Card offers 4X Membership Rewards points at restaurants and U.S. supermarkets on the first $25,000 spent at U.S. supermarkets each year, followed by 1X points afterward.
Travelers earn 3X points when booking flights through either amextravel.com or directly with the airline, and 1X points on all other eligible purchases.
≫ More: Read Our Full Review
Who Should Consider the Chase Sapphire Preferred Card?
The Chase Sapphire Preferred Card is suitable for regular travelers who wish to take advantage of excellent travel benefits and earn rewards that can be transferred to airline and hotel partners.
Frequent travelers who want to save money can benefit from the modest $95 annual fee.
If you dine out regularly, this card can also be beneficial as it earns 3x points per dollar on dining.
≫ More: Read Our Full Review
The Amex Gold card is a favorite card of mine for dining out. However, the Chase Sapphire Preferred Card delivers much more value for the annual fee you pay. The Amex Gold Card is still a solid option, but some may find it difficult to use the $10 monthly Uber and dining credit. So if you want a card with great benefits for dining and travel with a low annual fee, you can’t go wrong with the Sapphire Preferred.
Other Helpful Decision-Making FAQs
Choosing a travel credit card isn't always a simple decision. MoneyGeek has answered some frequently asked questions about the American Express® Gold Card vs. the Chase Sapphire Preferred Card.
Still Not Sure About These Cards? Consider These Options
Anyone that enjoys traveling and wants to earn rewards should think about getting the American Express® Gold Card or the Chase Sapphire Preferred Card. If a travel card isn’t a great fit, cash-back reward credit cards are a good option if you want to get money back on purchases.
Citi Custom Cash℠ Card
Capital One Spark Cash Select - $500 Cash Bonus
The Business Platinum Card® from American Express
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Amazon Business Card
Delta SkyMiles® Gold Business American Express Card
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Citi® Diamond Preferred® Card
Discover it® chrome Credit Card
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IHG® Rewards Premier Credit Card
Capital One Spark Miles for Business Select
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West Elm Key Rewards Credit Card
Credit One Bank® Platinum Visa®
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Mastercard® Black Card™
Aer Lingus Visa Signature®
Ink Business Preferred® Credit Card
U.S. Bank Altitude® Go Visa Signature® Card
Hilton Honors American Express Business Card
OpenSky® Secured Visa® Credit Card
Iberia Visa Signature® Card
Simmons Rewards Visa Signature®
Discover it® Secured Credit Card
Hilton Honors American Express Surpass® Card
Credit One Bank® Platinum Visa® for Rebuilding Credit
Discover it® Student Cash Back Credit Card
Chime Credit Builder Secured Visa® Credit Card
Discover it® Student chrome
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Wells Fargo Active Cash® Card
Chase Freedom Unlimited
NHL® Discover it®
Platinum Rewards Visa Signature® Card
First Access Solid Black Visa® Credit Card
Capital One Spark Cash Plus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Capital One® Spark® Classic for Business
BankAmericard® credit card
Bank of America® Travel Rewards credit card
U.S. Bank Triple Cash Rewards Visa® Business Card
OakStone Gold Secured Mastercard®
Chase Sapphire Preferred Card
Southwest Rapid Rewards® Plus Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Alliant Visa® Platinum Rewards Credit Card
Milestone® Unsecured Mastercard®
Merrick Bank Secured Credit Card
Ink Business Cash® Credit Card
Capital One VentureOne Rewards Credit Card
PenFed Pathfinder® Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
American Airlines AAdvantage MileUp℠ Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Bank of America® Customized Cash Rewards Secured Card
Wells Fargo Business Platinum Credit Card
Capital One Platinum Credit Card
Capital One Venture Rewards Credit Card
Merrick Bank Double Your Line® Secured Credit Card
Bank of America® Platinum Plus® Mastercard® Business card
Milestone® Gold Mastercard®
Deserve® EDU Mastercard for Students
Bank of America® Travel Rewards Credit Card for Students
Disney® Visa® Card from Chase
Upgrade Bitcoin Rewards
U.S. Bank Visa® Platinum Card
BankAmericard® Secured Credit Card
Navy Federal Visa cashRewards Card
Costco Anywhere Visa® Business Card by Citi
Costco Anywhere Visa® Card by Citi
USAA® Rewards™ American Express® Card
Mastercard® Gold Card™
Southwest Rapid Rewards® Premier Credit Card Business
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