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Chase Sapphire Preferred vs American Express Gold Card
The short answer
- The American Express Gold Card costs $230 more a year than the Chase Sapphire Preferred.
- At our point valuations the Chase Sapphire Preferred earns more on gas.
- The American Express Gold Card earns more on dining, groceries, travel.
- The American Express Gold Card has the bigger welcome offer: about $2,000 in value vs $1,500 for the Chase Sapphire Preferred.
Side by side
| Chase Sapphire Preferred | American Express Gold Card |
|---|
| Annual fee | $95 | $325 |
| Welcome offer | 75,000 after $5,000 in 3 months (≈ $1,500) | 100,000 after $8,000 in 6 months (≈ $2,000) |
| Earns on dining | 3x (≈ 6%) | 4x (≈ 8%) |
| Earns on groceries | 1x (≈ 2%) | 4x (≈ 8%) |
| Earns on travel | 2x (≈ 4%) | 3x (≈ 6%) |
| Earns on gas | 3x (≈ 6%) | 1x (≈ 2%) |
| Earns on everything else | 1x (≈ 2%) | 1x (≈ 2%) |
| Rewards | Chase Ultimate Rewards | Amex Membership Rewards |
| Network | Visa | Amex |
| KritScore | 84 | 73 |
| Highlights | Full Chase transfer partners · Primary rental car insurance · Trip cancellation & delay insurance · Free DashPass (activate by 12/31/2029) · No foreign transaction fees | 4x dining & U.S. supermarkets · Full Membership Rewards transfers · $100 property credit on 2-night THC stays · Hertz Five Star status · No foreign transaction fees |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Chase Sapphire Preferred better than the American Express Gold Card?
The American Express Gold Card costs $230 more a year than the Chase Sapphire Preferred. At our point valuations the Chase Sapphire Preferred earns more on gas. The American Express Gold Card earns more on dining, groceries, travel. The American Express Gold Card has the bigger welcome offer: about $2,000 in value vs $1,500 for the Chase Sapphire Preferred.
What is the annual fee on the Chase Sapphire Preferred and the American Express Gold Card?
The Chase Sapphire Preferred: $95 a year. The American Express Gold Card: $325 a year.
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