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Chase Sapphire Reserve® vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to American Express Gold, a points card? Read our comparison chart below.

 Chase Sapphire ReserveAmerican Express Gold Card
 Apply NowApply Now
 

Chase Sapphire Reserve®

American Express® Gold Card

 

Credit Card Summary

 
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Purchase APR22.49% to 29.49% Variable based on your creditworthiness and other factorsSee Pay Over Time APR
Balance Transfers APR22.49% to 29.49% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$550 annual fee$250 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Travel RewardsEarn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsEarn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchasesEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline Status$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
 
Grocery Rewards Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Dining Rewards3x points on dining at restaurantsEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Airline Transfer PartnersChase 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.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase Sapphire ReserveAmerican Express Gold Card
Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $550 annual fee
  • No introductory annual fee
  • No intro APR
Pros:
  • Welcome bonus
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineUltra premium credit card for luxury travelers... Read full reviewGood rewards card for cardholders who fly frequently or eat out... Read full review
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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.

Which is Better: Chase Sapphire Reserve 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 Reserve or Chase Sapphire Preferred.


Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.

Chase Sapphire Reserve Benefits

Chase Sapphire Reserve® has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve® (720+). But this is not the only factor. Here's how to improve your approval odds.

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of the best benefit of Chase Sapphire Reserve®. Learn how to maximize this perk including what lounges you can enter, how to use it, and the guest policy.

Chase Sapphire Reserve Rental Car Insurance

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

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve® users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass: What You Need to Know

Chase Sapphire Reserve Priority Pass

Priority Pass membership is one of Chase Sapphire Reserve® best benefits. Here is everything you need to know to sign up, activate and use it.

Articles on American Express® Gold Card

AMEX Gold

If you spend a lot, the American Express® Gold Card may be worth considering. Read on for the pros and cons of the AMEX Gold Card.

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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