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Chase Sapphire Reserve® vs American Express® Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

Chase and American Express are CreditDonkey partners. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

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

Keep in mind, the Chase Sapphire Reserve has a $450 annual fee, while the American Express Gold Card has a $250 annual fee.

Charge Card vs Credit Card: Chase Sapphire Reserve® is a credit card while American Express® Gold Card is a charge card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Chase Sapphire ReserveAmerican Express Gold Card
 Apply NowApply Now
 

Chase Sapphire Reserve®

American Express® Gold Card

 Personal Credit CardPersonal Charge Card
 
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Named a 'Best Travel Credit Card for 2017' by MONEY® Magazine
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating dining partners. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APR17.74% to 24.74% Variable based on your creditworthiness and other factorsSee Rates & Fees
Balance Transfers APR17.74% to 24.74% Variable based on your creditworthiness and other factorsSee Rates & Fees
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$450 annual fee$250 annual fee
 

Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward airfare, hotels, car rentals and cruises when you redeem through Chase Ultimate Rewards®Introductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
Travel RewardsTravel Rewards: 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline RewardsAirline Rewards: 1:1 point transfer to leading airline and hotel loyalty programsAirline Rewards: Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsPoint Rewards: 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.Point Rewards: Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline StatusAirline Status: $300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
Airline Status: $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline.
Grocery Rewards Grocery Rewards: Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining RewardsDining Rewards: 3X points on dining at restaurantsDining Rewards: Earn 4X Membership Rewards® points at US restaurants.
Airline Transfer PartnersAirline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.Airline Transfer Partners: 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® Card Reviews

 Chase Sapphire ReserveAmerican Express Gold Card
Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $450 annual fee
  • No introductory annual fee
  • No intro APR
Pros:
  • Welcome bonus
  • Airline fee credit
  • 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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    Which is Better: Chase Sapphire Reserve or American Express Gold Card?

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


    Explore Chase Sapphire Reserve® In-Depth


    Explore American Express® Gold Card In-Depth


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      Chase Sapphire Preferred Review: Why It's Worth $95

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    Compare Chase Sapphire Reserve to:

    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 24.74% Variable
    Annual Fee
    $0 Intro for the First Year, then $95
    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    Capital One Venture

    Capital One® Venture® Rewards Credit Card

    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    14.74% - 24.74% (Variable)
    Annual Fee
    $0 intro for first year; $95 after that

    Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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    Compare American Express Gold Card to:

    Blue Cash Preferred

    Blue Cash Preferred® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 12 months
    0% on Balance Transfers for 12 months
    14.99% - 25.99% Variable
    Annual Fee
    $95
    Starwood Preferred Guest

    Starwood Preferred Guest® Credit Card from American Express

    Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 26.74% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95
    Gold Delta SkyMiles

    Gold Delta SkyMiles® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 26.74% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95


    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.

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