Chase Sapphire Reserve® vs American Express® Gold Card
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 American Express Gold, a points card? Read our comparison chart below.
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Chase Sapphire Reserve® | American Express® Gold Card | |
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Credit Card Summary | ||
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Credit Card Interest Rates & Fees | ||
| Purchase APR | 22.24% to 29.24% Variable based on your creditworthiness and other factors | See Pay Over Time APR |
| Balance Transfers APR | 22.24% to 29.24% Variable based on your creditworthiness and other factors | N/A |
| Foreign Transaction Fee | $0 | No foreign transaction fee |
| 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 $900 toward travel when you redeem through Chase Ultimate Rewards® | Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. |
| Travel Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs | |
| Airline Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
| Hotel Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Point Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and 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. |
| Airline Status | $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select | |
| Grocery Rewards | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). | |
| Dining Rewards | 3x points on dining at restaurants | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required. |
| 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. |
| Go to issuer's official application, terms, and details | Go to issuer's official application, terms, and details | |
CreditDonkey® Credit Card Reviews | ||
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| Pros & Cons | Pros:
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| Bottom Line | Ultra premium credit card for luxury travelers... | Good rewards card for cardholders who fly frequently or eat out... |
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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: Chase Sapphire Reserve or American Express Gold?
Still need help deciding which points credit card is better? Read the in-depth reviews below. You may also be interested in comparing Chase Sapphire Reserve or Chase Sapphire Preferred.
Articles on Chase Sapphire Reserve®
Chase Sapphire Reserve
With excellent rewards and premium travel benefits, the Chase Sapphire Reserve® is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.
Chase Sapphire Reserve Benefits
Chase Sapphire Reserve has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.
Chase Sapphire Reserve Credit Score
You usually need an excellent credit score for Chase Sapphire Reserve (720+). But this is not the only factor. Here's how to improve your approval odds.
Chase Sapphire Reserve Lounge Access
Airport lounge access is one of Chase Sapphire Reserve's best benefits. Learn how to maximize this benefit including what lounges you can enter, how to use it, and the guest policy.
Chase Sapphire Reserve Rental Car Insurance
Chase Sapphire Reserve offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.
Chase Sapphire Reserve Credit Limit
Many Chase Sapphire Reserve users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass
Priority Pass membership is one of Chase Sapphire Reserve's best benefits. Here is everything you need to know to sign up, activate and use it.
Articles on American Express® Gold Card
AMEX Gold
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.
Which Do You Like and Why?
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