Chase Sapphire Preferred® Card vs American Express Gold

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to American Express Gold, a points card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the American Express Gold has a $325 annual fee.

	Chase Sapphire Preferred® Card	American Express® Gold Card
		Read American Express Gold Review
	Credit Card Interest Rates & Fees
Purchase APR	20.74% to 27.74% Variable based on your creditworthiness and other factors	N/A
Balance Transfers APR	20.74% to 27.74% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	$0	No foreign transaction fee
Annual Fee	$95 annual fee	$325 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Travel Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs	Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Bonus Hotel Rewards	$50 Annual Chase Travel Hotel Credit
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Grocery Rewards		Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Dining Rewards	3X points on dining	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.	Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR	Pros: Welcome bonus 3X points on flights booked directly with airlines or on AmexTravel.com Cons: $325 annual fee
Bottom Line	High-earning rewards card for those with excellent credit... Read full review	Good rewards card for cardholders who fly frequently or eat out... Read full review
		Read American Express Gold Review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the American Express® Gold Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. American Express Gold: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed.

Which is Better: Chase Sapphire Preferred or American Express Gold?

Still need help deciding which points credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Preferred or American Express Platinum.

Articles on Chase Sapphire Preferred® Card

Chase Sapphire Credit Card

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

Chase Sapphire Preferred Credit Score

Chase Sapphire Preferred® usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred® usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred® offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred® users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.