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Card vs Card Comparison

Amex Gold
vs
Chase Sapphire Preferred.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

60K MR after $6K in 6 months

Earning highlights

  • →4× on restaurants worldwide
  • →4× on US supermarkets (up to $25K/yr)
  • →3× on flights booked direct + Amex Travel

Perks highlights

  • →$120 Uber Cash ($10/month)
  • →$120 dining credit ($10/month, select partners)
  • →$84 Dunkin' credit
  • →Hotel Collection benefits (2-night minimum)
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Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

75K UR after $4K in 3 months

Earning highlights

  • →5× on Chase Travel
  • →3× on dining, online groceries, streaming
  • →2× on other travel

Perks highlights

  • →$50 annual hotel credit (Chase Travel)
  • →10% point bonus on cardmember anniversary
  • →Primary rental car insurance
  • →Trip cancellation + delay insurance
  • →Transfers 1:1 to all UR partners (Hyatt, United, Air Canada, etc.)
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The verdict

When each card wins.

Amex Gold wins if

Dining-heavy spenders. 4× restaurants worldwide is the highest-published dining multiplier.

Weakness: Credits are split into monthly buckets — you have to use them as they're issued or lose them.

Chase Sapphire Preferred wins if

Entry-level UR-earning card. The best $95-AF travel card on the market.

Weakness: No lounge access, no $300 travel credit. Loses to CSR for high spenders.

At a glance

Side-by-side spec sheet.

SpecAmex GoldChase Sapphire Preferred
Annual fee$325$95
Points currencyMembership RewardsUltimate Rewards
Top earning rate4× on restaurants worldwide5× on Chase Travel
Signup bonus60K MR75K UR

Questions

Frequently asked.

Should I get the Amex Gold or the Chase Sapphire Preferred?

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Amex Gold wins if dining-heavy spenders. 4× restaurants worldwide is the highest-published dining multiplier. Chase Sapphire Preferred wins if entry-level ur-earning card. the best $95-af travel card on the market.

Can I have both the Amex Gold and the Chase Sapphire Preferred?

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Yes — these are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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Amex Gold has the higher annual fee ($325 vs $95). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Amex Gold more valuable than points from Chase Sapphire Preferred?

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Amex Gold earns Membership Rewards; Chase Sapphire Preferred earns Ultimate Rewards. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.