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Premier Rewards Gold Card from American Express vs Chase Sapphire Preferred® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Premier Rewards Gold Card is a good rewards card for cardholders who fly frequently or eat out. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant credit card? Read our comparison chart below.

Keep in mind, the Premier Rewards Gold Card has a Introductory annual fee of $0 for the first year, then $195, while the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95.

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

 Premier Rewards Gold Card from American ExpressChase Sapphire Preferred Card
 Apply NowApply Now
 

Premier Rewards Gold Card from American Express

Chase Sapphire Preferred® Card

 Personal Charge CardPersonal Credit Card
 
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
 

Card Interest Rates & Fees

Purchase APRN/A17.24% to 24.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.24% to 24.24% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual FeeIntroductory annual fee of $0 for the first year, then $195$0 Intro Annual Fee for the First Year, then $95
 

Card Rewards & Benefits

Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.Introductory 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 $625 toward travel when you redeem through Chase Ultimate Rewards®
Travel Rewards Travel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Airline RewardsAirline Rewards: Earn 3X points for flights booked directly with airlines.Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards Hotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsPoint Rewards: 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.Point Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline StatusAirline Status: $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline. 
Gas RewardsGas Rewards: Earn 2X points at US gas stations. 
Grocery RewardsGrocery Rewards: Earn 2X points at US supermarkets. 
Dining RewardsDining Rewards: Earn 2X points at US restaurants.Dining Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Airline Transfer PartnersAirline 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.Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 Premier Rewards Gold Card from American ExpressChase Sapphire Preferred Card
Pros & ConsPros:
  • Promotional points offer
  • Airline fee credit
  • 3x points for flights booked directly with airlines. Terms Apply.
Cons:
  • $0 Intro Annual Fee for the 1st year, then $195
Pros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $0 Intro Annual Fee for the First Year, then $95
  • No intro APR
Bottom LineGood rewards card for cardholders who fly frequently or eat out... Read full reviewHigh-earning rewards card for those with excellent credit... Read full review
 Apply NowApply Now
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    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: Premier Rewards Gold Card or Chase Sapphire Preferred?

    Still need help deciding which points card is better? Read the in-depth reviews below. You may also be interested in comparing Premier Rewards Gold Card or Amex EveryDay.


    Explore Premier Rewards Gold Card from American Express In-Depth


    Explore Chase Sapphire Preferred® Card In-Depth


    Which Do You Like and Why?

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    Compare Premier Rewards Gold Card to:

    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    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
    14.24% - 25.24% Variable
    Annual Fee
    $95
    Starwood Preferred Guest

    Starwood Preferred Guest® Credit Card from American Express

    Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    16.49% - 20.49% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95

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    Compare Chase Sapphire Preferred to:

    Chase Sapphire Reserve

    Chase Sapphire Reserve℠

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 24.24% Variable
    Annual Fee
    $450
    Barclaycard Arrival Plus

    Barclaycard Arrival Plus® World Elite Mastercard®

    Introductory Bonus Airline RewardsTravel RewardsAirline RewardsHotel Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/A
    0% for 12 months (on balance transfers made within 45 days of account opening)
    17.24%, 21.24% or 24.24% Variable
    Annual Fee
    $89 - Waived first year
    Amex EveryDay

    The Amex EveryDay® Credit Card from American Express

    Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 12 months
    0% on Balance Transfers for 12 months
    14.24% - 24.24% Variable
    Annual Fee
    $0

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