American Express Gold Card vs Chase Sapphire Preferred
Compare these two cards side by side to find the best fit for your spending and travel goals.
American Express Gold Card American Express | Chase Sapphire Preferred Chase | |
|---|---|---|
| Sign-Up Bonus | 60,000 points | 70,000 points |
| Bonus Value | $720 | $1,050 |
| Spend Required | $6,000 | $4,000 |
| Timeframe | 6 months | 3 months |
| Annual Fee | $250 | $95 |
| Base Rewards | 1x on all purchases | 1x on all purchases |
| Rewards Currency | Membership Rewards | Ultimate Rewards |
| Network | Amex | Visa |
| Credit Needed | Good | Good |
American Express Gold Card Perks
- +$120 annual dining credit
- +$120 annual Uber Cash
- +No foreign transaction fees
Chase Sapphire Preferred Perks
- +$50 annual hotel credit
- +Primary rental car insurance
- +Trip cancellation insurance
- +No foreign transaction fees
American Express Gold Card Bonus Categories
- +4x restaurants
- +4x groceries (up to $25k/yr)
- +3x flights
Chase Sapphire Preferred Bonus Categories
- +3x dining
- +3x streaming
- +2x travel
- +5x Lyft
Frequently Asked Questions
Which is better, American Express Gold Card or Chase Sapphire Preferred?
The Chase Sapphire Preferred offers a higher sign-up bonus value (70,000 points vs 60,000 points). However, the best choice depends on your spending habits, travel preferences, and whether the annual fee is worth it for your situation.
Can I have both the American Express Gold Card and Chase Sapphire Preferred?
Yes, since the American Express Gold Card is issued by American Express and the Chase Sapphire Preferred is issued by Chase, you can apply for and hold both cards simultaneously.
What credit score do I need for these cards?
The American Express Gold Card typically requires good credit, while the Chase Sapphire Preferred requires good credit. A score of 700+ is generally recommended for premium cards.