Chase Sapphire Preferred® Card vs Business Gold Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Business Gold Card from American Express, a business card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Business Gold Card has a $375 annual fee.

	Chase Sapphire Preferred® Card	American Express® Business Gold Card

	Credit Card Interest Rates & Fees
Purchase APR	21.49% to 28.49% Variable based on your creditworthiness and other factors	19.49% to 28.49% Variable based on your creditworthiness and other factors
Balance Transfers APR	21.49% to 28.49% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	$0	No foreign transaction fee
Annual Fee	$95 annual fee	$375 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.	Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Travel Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards	$50 Annual Chase Travel Hotel Credit
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.	Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Dining Rewards	3X points on dining
Airline Transfer Partners	Chase 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.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR
Bottom Line	High-earning rewards card for those with excellent credit... Read full review

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