American Express® Gold Card vs. Chase Sapphire Reserve®
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 →
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →WealthSpott Verdict
American Express® Gold Card and Chase Sapphire Reserve® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
American Express® Gold
Chase Sapphire Reserve®
Annual Fee
$250/yr Best
$550/yr
Sign-up Bonus
60,000 points
60,000 points
Rewards Rate
1x-4x
1x-10x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
See terms
22.49%-29.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
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 Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
Not sure which card is right for you?
Browse all credit cards