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Chase Sapphire Reserve℠ vs Premier Rewards Gold Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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

Keep in mind, the Chase Sapphire Reserve has a $450 annual fee, while the Premier Rewards Gold Card has a Introductory annual fee of $0 for the first year, then $195.

Charge Card vs Credit Card: Chase Sapphire Reserve℠ is a credit card while Premier Rewards Gold Card from American Express 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 ReservePremier Rewards Gold Card from American Express
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Chase Sapphire Reserve℠

Premier Rewards Gold Card from American Express

 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
  • 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. Plus, no 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✓®
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
  • 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
 

Card Interest Rates & Fees

Purchase APR17.24% to 24.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR17.24% to 24.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$450 annual feeIntroductory annual fee of $0 for the first year, then $195
 

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 use your new Card to make $2,000 in purchases within the first 3 months.
Travel RewardsTravel Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
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 points for flights booked directly with airlines.
Hotel RewardsHotel Rewards: 1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsPoint Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Point 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.
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 a calendar year for baggage fees at one airline.
Gas Rewards Gas Rewards: Earn 2X points at US gas stations.
Grocery Rewards Grocery Rewards: Earn 2X points at US supermarkets.
Dining RewardsDining Rewards: 3X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.Dining Rewards: Earn 2X points at US restaurants.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.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 ReservePremier Rewards Gold Card from American Express
Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $450 annual fee
  • No introductory annual fee
  • No intro APR
Pros:
  • 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
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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What Others View

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    Which is Better: Chase Sapphire Reserve or Premier Rewards 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 Premier Rewards Gold Card from American Express In-Depth


    Which Do You Like and Why?

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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
    17.24% - 24.24% 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
    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 Premier Rewards Gold Card to:

    Blue Cash Preferred
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 12 months
    0% on Balance Transfers for 12 months
    14.24% - 25.24% Variable
    $95

    Gold Delta SkyMiles
    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    16.99% - 25.99% Variable
    $0 introductory annual fee for the first year, then $95


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    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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