Chase Sapphire Preferred® Card vs. American Express® Business Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →WealthSpott Verdict
Chase Sapphire Preferred® Card and American Express® Business Gold Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Chase Sapphire Preferred®
American Express® Business
Annual Fee
$95/yr Best
$375/yr
Sign-up Bonus
60,000 points
100,000 points
Rewards Rate
1x-5x
1x-4x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable
19.49%-27.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
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