Sign In Sign Up

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

American Express Gold Card vs Chase Sapphire Preferred Card — Full Comparison (2026)

Home
/
Compare
/
American Express Gold Card vs Chase Sapphire Preferred Card

American Express Gold Card vs Chase Sapphire Preferred Card

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Gold Card

American Express Gold Card

American Express

Chase Sapphire Preferred Card

Chase Sapphire Preferred Card

Chase

Annual Fee

$325

$95

Welcome Bonus

60,000 Flex point

75,000 Flex point

Base Earn Rate

1X

1X

Top Earn Categories

4X Dining

4X Grocery Stores

3X Flights

2X Hotels

5X Travel

3X Dining

3X Streaming

3X Online Groceries

Network

AMEX

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros

+4X points on dining worldwide - industry leading
+4X at U.S. supermarkets up to $25k/year
+$424 in annual credits offset $325 fee
+No foreign transaction fees
+Transfer to 20+ airline and hotel partners

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$325 annual fee with no waived first year
−4X grocery excludes Costco, Walmart, Target
−No lounge access included
−Limited non-food spending categories
−Amex acceptance less universal than Visa/MC

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $325), making it the more accessible option.

The American Express Gold Card justifies its higher fee with premium perks and travel credits.

Explore More

American Express Gold Card — Full Review All American Express Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
American Express Gold Card vs Chase Sapphire Preferred Card

American Express Gold Card vs Chase Sapphire Preferred Card

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Gold Card

American Express Gold Card

American Express

Chase Sapphire Preferred Card

Chase Sapphire Preferred Card

Chase

Annual Fee

$325

$95

Welcome Bonus

60,000 Flex point

75,000 Flex point

Base Earn Rate

1X

1X

Top Earn Categories

4X Dining

4X Grocery Stores

3X Flights

2X Hotels

5X Travel

3X Dining

3X Streaming

3X Online Groceries

Network

AMEX

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros

+4X points on dining worldwide - industry leading
+4X at U.S. supermarkets up to $25k/year
+$424 in annual credits offset $325 fee
+No foreign transaction fees
+Transfer to 20+ airline and hotel partners

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$325 annual fee with no waived first year
−4X grocery excludes Costco, Walmart, Target
−No lounge access included
−Limited non-food spending categories
−Amex acceptance less universal than Visa/MC

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $325), making it the more accessible option.

The American Express Gold Card justifies its higher fee with premium perks and travel credits.

Explore More

American Express Gold Card — Full Review All American Express Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
American Express Gold Card vs Chase Sapphire Preferred Card

American Express Gold Card vs Chase Sapphire Preferred Card

A detailed side-by-side comparison to help you choose the right card for your spending.

American Express Gold Card

American Express Gold Card

American Express

Chase Sapphire Preferred Card

Chase Sapphire Preferred Card

Chase

Annual Fee

$325

$95

Welcome Bonus

60,000 Flex point

75,000 Flex point

Base Earn Rate

1X

1X

Top Earn Categories

4X Dining

4X Grocery Stores

3X Flights

2X Hotels

5X Travel

3X Dining

3X Streaming

3X Online Groceries

Network

AMEX

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros

+4X points on dining worldwide - industry leading
+4X at U.S. supermarkets up to $25k/year
+$424 in annual credits offset $325 fee
+No foreign transaction fees
+Transfer to 20+ airline and hotel partners

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$325 annual fee with no waived first year
−4X grocery excludes Costco, Walmart, Target
−No lounge access included
−Limited non-food spending categories
−Amex acceptance less universal than Visa/MC

−$95 annual fee vs $0 Freedom cards
−No lounge access included
−Secondary rental car coverage only (not primary)
−5/24 rule restricts applicants with 5+ cards in 24 months
−No 0% intro APR offer

The Bottom Line

The Chase Sapphire Preferred Card has a lower annual fee ($95 vs $325), making it the more accessible option.

The American Express Gold Card justifies its higher fee with premium perks and travel credits.

Explore More

American Express Gold Card — Full Review All American Express Cards

Chase Sapphire Preferred Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →