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 | 75,000 points |
| Bonus Value | $360 | $750 |
| Spend Required | $6,000 | $5,000 |
| Timeframe | 6 months | 3 months |
| Annual Fee | $325 | $95 |
| Base Rewards | 1x on other eligible purchases | 1x on other purchases |
| Rewards Currency | Membership Rewards | Ultimate Rewards |
| Network | Amex | Visa |
| Credit Needed | Good | Good |
American Express Gold Card Perks
- +Up to $120 annual dining credits, limited to $10 monthly at participating merchants; enrollment required
- +$10 monthly Uber Cash for eligible U.S. rides and orders; add Gold to Uber and pay with an Amex card
- +Up to $100 annual Resy credits, divided into two $50 half-year periods; enrollment required
- +Up to $7 monthly Dunkin credits at eligible U.S. locations; enrollment required
- +No foreign transaction fees
Chase Sapphire Preferred Perks
- +Up to $100 in Chase Travel hotel credits per account anniversary year; credited purchases do not earn points
- +Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every four years
- +Primary rental collision/theft coverage subject to the benefit guide
- +No foreign transaction fees
American Express Gold Card Bonus Categories
- +4x restaurants worldwide, up to $50,000 per calendar year; then 1x
- +4x U.S. supermarkets, up to $25,000 per calendar year; then 1x
- +3x eligible flights booked directly or through Amex Travel
- +5x prepaid hotels through Amex Travel
Chase Sapphire Preferred Bonus Categories
- +5x Chase Travel purchases
- +3x dining, selected streaming and online grocery (exclusions apply)
- +3x gas stations, EV charging and vacation homes at eligible brands
- +2x other travel
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 (75,000 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.