Chase Sapphire Preferred® Card vs. American Express® 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® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →WealthSpott Verdict
Chase Sapphire Preferred® Card wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on how you spend.
Feature
Chase Sapphire Preferred®
American Express® Gold
Annual Fee
$95/yr Best
$250/yr
Sign-up Bonus
60,000 points
60,000 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 Best
See terms
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® 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
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