American Express® Gold Card vs. Southwest Rapid Rewards® Priority
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 →
Southwest Rapid Rewards® Priority
Chase
4.3
50,000 bonus points. 7,500 anniversary points. $75 travel credit.
Full review →WealthSpott Verdict
Southwest Rapid Rewards® Priority 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
Southwest Rapid Rewards®
Annual Fee
$250/yr
$149/yr Best
Sign-up Bonus
60,000 points
50,000 points
Rewards Rate
1x-4x
1x-3x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
See terms
21.49%-28.49% 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
Southwest Rapid Rewards® Priority
Pros
- 7,500 anniversary points each year
- $75 annual Southwest travel credit
- 4 upgraded boardings per year
- Path to Companion Pass with enough spending
Cons
- $149 annual fee
- Only valuable for Southwest flyers
- Foreign transaction fee
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