Verdict: The American Express Gold Card delivers superior rewards on everyday spending, especially dining and groceries, and its $220 in annual credits effectively reduce the net fee to about $30 (per Amex). However, its high $250 fee and spend caps make it best for heavy spenders. The Chase Sapphire Preferred offers a much lower $95 fee, solid travel redemption value, and a 10% anniversary bonus, making it the better choice for moderate travelers who don’t need premium grocery rewards. Overall, Amex wins on raw rewards potential, while Chase wins on cost‑effectiveness.
American Express Gold Card lists at $250 while Chase Sapphire Preferred lists at $95 — Chase Sapphire Preferred undercuts American Express Gold Card by $155 (163%).
Winner: American Express Gold Card
American Express Gold Card: 8/10
Chase Sapphire Preferred: 7/10
| American Express Gold Card | Chase Sapphire Preferred | |
|---|---|---|
| Annual Fee | $250 | $95 |
| Rewards Rate | 4x points on restaurants & U.S. supermarkets (up to $25k/yr), 3x on flights | 2x points on travel & dining, 1x elsewhere |
| Intro Bonus | 60,000 points after $4,000 spend in 6 months | 60,000 points after $4,000 spend in 3 months |
| Annual Credits | $120 dining credit + $100 airline fee credit | — |
| Redemption Bonus | — | 25% more value via Chase UR (1 point = 1.25c) |
Our pick: American Express Gold Card.
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