American Express Gold Card vs Chase Sapphire Preferred Card
Verdict: The Chase Sapphire Preferred edges out as the better overall pick for most users due to its lower fee and strong travel insurance, beating the Amex Gold by $230 annually while offering comparable point transfer values. Amex Gold wins on grocery and restaurant spending with 4x rates versus CSP's 3x, per 2025 comparisons from The Points Guy and NerdWallet. Sapphire Preferred also provides superior trip cancellation coverage up to $10,000 per The Points Guy reviews.
How we scored it
Spec verificationOwner sentimentLive pricing (4h refresh)Editorial review
Our methodology
Winner: Chase Sapphire Preferred Card
American Express Gold Card: 8.2/10
Chase Sapphire Preferred Card: 8.5/10
Spec-by-spec comparison
| American Express Gold Card | Chase Sapphire Preferred Card | |
|---|---|---|
| annual_fee | $325 | $95 |
| welcome_bonus | 90,000 Membership Rewards points after $4,000 spend in 6 months | 60,000 Ultimate Rewards points after $4,000 spend in 3 months |
| rewards_rate | 4x at restaurants and US supermarkets (up to $25,000 per year) | 5x on travel through Chase, 3x on dining and online grocery |
| foreign_transaction_fee | None | None |
American Express Gold Card
What works
- Strong dining and grocery rewards at 4x
- Valuable credits including $120 dining and $100 Resy annually
- Transfer partners with high-value redemptions like 1.5+ cents per point
What doesn't
- High $325 annual fee after first year
- Limited travel protections compared to premium cards
Chase Sapphire Preferred Card
What works
- Lower $95 annual fee
- Strong travel protections including trip cancellation
- Easy 25% bonus on Chase travel portal redemptions
What doesn't
- Lower base rewards rate outside bonus categories
- Fewer lifestyle credits than Amex Gold
Bottom line
Our pick: Chase Sapphire Preferred Card.
View full comparison on GoodPickr
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