Chase Sapphire Preferred vs. Amex Gold: Top Travel Card Picks with Everyday Rewards

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Good for Chase Ultimate Rewards Redemptions
Editor’s Score: (4.5/5)
Chase Sapphire Preferred® Card
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Chase Sapphire Preferred® Card
Editor’s Score: (4.5/5)
Rewards rate:

5x on travel purchased through Chase Ultimate Rewards®. 3x on dining. 2x on all other travel purchases, plus more.

Apply Now externa link icon At Chase’s secure site
Good for Restaurant and Supermarket Spending
Editor’s Score: (4.3/5)
American Express® Gold Card
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American Express® Gold Card
Editor’s Score: (4.3/5)
Rewards rate:

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Learn more externa link icon At our partner’s secure site See Rates & Fees, Terms Apply.
  • Intro offer:
    60,000 points
  • Annual fee:
    $95
  • Regular APR:
    18.24% – 25.24% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
  • Rewards rate:

    5x on travel purchased through Chase Ultimate Rewards®. 3x on dining. 2x on all other travel purchases, plus more.

  • Intro offer:
    60,000 points
  • Annual fee:
    $250
  • Regular APR:
    18.99%-25.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
  • Rewards rate:

    Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Pros and Cons
Pros and Cons
Pros
  • Generous welcome offer
  • Tiered bonus points categories
  • 25% points boost when you redeem for travel through Chase Ultimate Rewards
  • 1:1 point transfer at airline and hotel partners
  • No foreign transaction fee
Cons
  • $95 annual fee
  • High APR
  • Need to spend within bonus categories to maximize rewards
  • Other cards have similar bonus categories with higher rewards rates
Pros and Cons
Pros
  • Tiered points system
  • Welcome bonus offer
  • Annual credits
Cons
  • Annual fee
  • Value of points dependent on how you redeem
Additional Card Details
Additional Card Details
  • 25% redemption boost on points redeemed for travel through Chase Ultimate Rewards or eligible statement credits via Pay Yourself Back
  • Get 10% value of annual purchases back in points every account anniversary
  • $50 in annual hotel credits toward hotel stays booked through Chase
  • Primary auto rental collision damage waiver
  • Travel protections
  • Purchase protections
Additional Card Details
  • Up to $120 annual dining credit
  • Up to $120 in annual Uber Cash for Uber Eats orders or Uber rides
  • Up to $100 credit on qualifying activities when booking through the American Express Hotel Collection
  • $250 annual fee
  • Amex Offers
  • Car rental insurance
  • Global travel assistance hotline
  • Baggage insurance
  • Extended warranty on covered purchases
  • Purchase protection
  • Dispute resolution
NextAdvisor’s Take

The Chase Sapphire Preferred and the American Express Gold cards are two of our favorite travel credit cards, especially for travelers looking to earn rewards on everyday spending to use toward future travel. Both have generous welcome offers and an annual fee. You’ll also earn rewards on select travel and dining, in addition to bonus categories unique to each card. Ultimately, the best way to choose between these cards is to compare your regular spending, as well as the Chase and American Express rewards programs, to find which one best suits your wallet and travel preferences.

When it comes to travel credit cards, options from both Chase and American Express are often among our top picks.

They each offer a suite of travel cards with various rewards rates, annual fees, and benefits. You can best maximize these cards by finding one that matches your spending habits and preferences. To help you get started, we’re taking a closer look at two of our favorite travel cards from these issuers on the market day: the Chase Sapphire Preferred® Card and the American Express® Gold Card.

Both are beginner-to mid-level credit cards, ideal for those who have some level of comfort and confidence using travel rewards credit cards. Their annual fees are $95 and $250, respectively, and each comes with a host of perks that might be better suited to fit different needs.

Chase Sapphire Preferred and Amex Gold at a Glance

Here’s how the Chase Sapphire Preferred and Amex Gold cards measure up against each other.

Chase Sapphire PreferredAmex Gold
Annual Fee$95$250 (See Rates & Fees)
Welcome Offer60,000 Chase Ultimate Rewards points after you spend $4,000 in the first three months from account opening60,000 Membership Rewards points after you spend $4,000 on eligible purchases in the first six months of card membership
Bonus Points• 5x points on travel booked with Chase
• 3x points on dining (including eligible takeout and delivery), select streaming services, and online grocery purchases
• 2x points on travel not booked with Chase
• 1x points on everything else
• 4x at restaurants

• 4x at U.S. supermarkets (up to $25,000 per calendar year, then 1x)

• 3x on flights booked directly from airlines or via Amex Travel

• 1x on other purchases
Credits Complimentary 12-month DoorDash DashPass membership (otherwise $9.99 per month) Must activate by 12/31/24Up to $120 in Uber Cash annually (for U.S. Eats orders and rides; Gold Card must be added to the Uber app to receive the benefit); Up to $120 in dining statement credits annually ($10 per month)

Bonus Comparison

These cards have very similar welcome bonus offers. Though the Amex Gold allows for more time to reach its spending requirement, the Sapphire Preferred is potentially a higher value. 

The Chase Sapphire Preferred offers 60,000 bonus points after you spend $4,000 in the first three months of account opening — worth $750 when you redeem for travel through Chase Ultimate Rewards. In comparison, the Amex Gold is currently offering 60,000 Membership Rewards points after you spend $4,000 in your first six months of membership. These 60,000 points are worth up to $600 when redeemed for travel, according to Amex.

Rewards Comparison

The Chase Sapphire Preferred earns:

  • 5 Ultimate Rewards points per dollar on travel booked with Chase
  • 3x points on dining (including eligible takeout and delivery), select streaming services, and online grocery purchases
  • 2x points on travel not booked with Chase
  • 1x points on everything else

On the other hand, the Amex Gold earns:

  • 4 Membership Rewards points per dollar at U.S. supermarkets (up to $25,000 per calendar year, then 1x) and at restaurants
  • 3x points on airfare booked directly with airlines or on AmexTravel.com
  • 1x points on all other purchases

The Amex Gold does a higher earning rate on dining and grocery purchases, two of the most common everyday categories. That said, though, the Amex Gold has a $250 annual fee — more than double that of the Sapphire Preferred. Evaluate your budget and spending to determine whether the differences in bonus values is enough to make up the added annual fee cost.

APR Comparison

As with all travel rewards credit cards, we recommend paying your bills on time and in full to avoid any interest charges. Otherwise, this can negate the value of any rewards you end up earning.

  • The Chase Sapphire Preferred card has a variable APR rate between 18.24% to 25.24%.
  • The Amex Gold card has a variable APR rate between 18.24% to 25.24%.

Fee Comparison

  • The Chase Sapphire Preferred has a $95 annual fee.
  • The Amex Gold has a $250 annual fee. 
  • Neither card charges foreign transaction fees.
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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Editor’s Score: (4.5/5)
  • Intro offer:
    60,000 points
  • Annual fee:
    $95
  • Regular APR:
    18.24% – 25.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site
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American Express® Gold Card

American Express® Gold Card

Editor’s Score: (4.3/5)
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Citi Premier® Card

Citi Premier® Card

Editor’s Score: (3.6/5)
  • Intro offer:
    80,000 points
  • Annual fee:
    $95
  • Regular APR:
    18.99% – 26.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site

Deciding Between the Chase Sapphire Preferred and Amex Gold Cards

The good news is that you can’t go wrong with either card. Both the Chase Sapphire Preferred and Amex Gold cards are strong travel rewards credit cards that will help you earn bonus points you can later redeem for free or discounted travel. Each also comes with additional benefits.

The Amex Gold offers:

  • $120 in Uber Cash annually (for U.S. Eats orders and rides; Gold Card must be added to the Uber app to receive the benefit)
  • Up to $120 in dining statement credits annually ($10 per month)

Both of these benefits can help offset the cost of the annual fee. You can also earn up to a $100 credit on qualifying activities when booking through the American Express Hotel Collection. In fact, depending on your lifestyle habits, the Amex Gold can end up paying for itself.

The Chase Sapphire Preferred, meanwhile, comes with perks like:

  • Complimentary 12-month DoorDash DashPass membership (otherwise $9.99 per month) Must be activated by December 31, 2024

If the majority of your spending is done at restaurants and supermarkets — and you use Uber frequently — you may be more likely to maximize your spending with the Amex Gold, despite its higher $250 fee. However, the Chase Sapphire Preferred has no shortage of rewards categories, and with a potentially higher-value welcome bonus and lower $95 annual fee, it’s one of our favorite credit cards available today.

Another deciding factor may be other cards you already have from either issuer. You can pool your Membership Rewards or Ultimate Rewards points from different cards, so it can be beneficial to stick to one rewards program if you’re pairing different cards.

Ultimately, deciding on which card to get comes down to what your budget and spending habits are. The Chase Sapphire Preferred card is undoubtedly the more budget-friendly option. The Amex Gold has more premium perks, such as dining credits, Uber credits and even hotel credits when booking through the American Express Hotel Collection program.

For rates and fees of the American Express Gold Card, click here.