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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 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 American Express Gold Card has a $250 annual fee, while the Chase Sapphire Preferred has a $0 Intro Annual Fee for the First Year, then $95.

Charge Card vs Credit Card: American Express® Gold Card 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.

 American Express Gold CardChase Sapphire Preferred Card
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American Express® Gold Card

Chase Sapphire Preferred® Card

 Personal Charge CardPersonal Credit Card
 
  • 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
  • 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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 APRSee Rates & Fees17.74% to 24.74% Variable based on your creditworthiness and other factors
Balance Transfers APRSee Rates & Fees17.74% to 24.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$250 annual fee$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 spend $2,000 on eligible purchases with your new card 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 Membership Rewards® points on flights booked directly with airlines or on amextravel.com.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: 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.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 in statement credits per year for incidental fees at one selected airline. 
Grocery RewardsGrocery Rewards: Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X). 
Dining RewardsDining Rewards: Earn 4X Membership Rewards® 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: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 American Express Gold CardChase Sapphire Preferred Card
Pros & ConsPros:
  • Welcome bonus
  • Airline fee credit
  • 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:
  • $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
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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: American Express 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 American Express Gold Card or American Express Platinum.


    Explore American Express® Gold Card In-Depth


    Explore Chase Sapphire Preferred® Card In-Depth


    Which Do You Like and Why?

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    Compare American Express 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
    14.99% - 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

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    Compare Chase Sapphire Preferred to:

    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
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.74% - 24.74% Variable
    Annual Fee
    $450
    Capital One Quicksilver

    Capital One® Quicksilver® Cash Rewards Credit Card

    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    14.74% - 24.74% (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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