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American Express® Gold Card vs Chase Sapphire Preferred® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Gold 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 card? Read our comparison chart below.

 American Express Gold CardChase Sapphire Preferred Card
 Apply NowApply Now
 

American Express® Gold Card

Chase Sapphire Preferred® Card

 

Credit Card Summary

 
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • $120 Uber Cash: 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: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
 

Credit Card Interest Rates & Fees

Purchase APRSee Pay Over Time APR15.99% to 22.99% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A15.99% to 22.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$250 annual fee$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus OfferEarn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.
Travel Rewards Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Airline Rewards3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.1:1 point transfer to leading airline and hotel loyalty programs
Hotel Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsEarn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery. 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.Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Grocery Rewards4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). 
Dining RewardsEarn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
Airline Transfer PartnersAirline 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.Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 American Express Gold CardChase Sapphire Preferred Card
Pros & ConsPros:
  • Welcome bonus
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Pros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • 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

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: American Express Gold or Chase Sapphire Preferred?

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


Articles on American Express® Gold Card

American Express Gold Card Review

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.

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.

Sapphire Preferred Benefits

Maximize the benefits of Chase Sapphire Preferred. Read on to learn about 20+ valuable perks that you may not know about.

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.

Which Do You Like and Why?





Compare American Express Gold to:

American Express Platinum

The Platinum Card® from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$550
Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on purchases for 12 months
N/A
13.99% - 23.99% Variable
Annual Fee
$0 introductory for first year, then $95
Delta SkyMiles Gold

Delta SkyMiles® Gold American Express Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.74% - 24.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99

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Compare Chase Sapphire Preferred to:

Capital One Venture

Capital One Venture Rewards Credit Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.24% - 24.49% (Variable)
Annual Fee
$95
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
16.99% - 23.99% Variable
Annual Fee
$550
Capital One Quicksilver

Capital One Quicksilver Cash Rewards Credit Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
N/A
15.49% - 25.49% (Variable)
Annual Fee
$0

Disclaimer: The information for the Capital One Venture Rewards Credit Card and Capital One Quicksilver Cash 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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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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