American Express® Gold Card vs. Chase Freedom Unlimited®
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →
WealthSpott Verdict
Chase Freedom Unlimited® wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Chase Freedom Unlimited®
Annual Fee
$250/yr
$0 Best
Sign-up Bonus
60,000 points
$200
Rewards Rate
1x-4x
1.5%-5%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
0% intro APR for 15 months
Regular APR
See terms
20.49%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Chase Freedom Unlimited®
Pros
- No annual fee
- Strong bonus categories (dining, drugstores, travel via Chase)
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- Bonus categories require activation
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