Chase Sapphire Preferred vs. Amex Gold: Which Is Better?
Head-to-head comparison of the Chase Sapphire Preferred and American Express Gold Card. Compare rewards, fees, perks, and which card wins for your spending habits.
Chase Sapphire Preferred
Pros
- 3X on dining, 2X on all travel
- 60,000-point sign-up bonus
- Points worth 25% more in Chase portal
Cons
- $95 annual fee
- No grocery bonus category
- Lower dining multiplier than Amex Gold
American Express Gold Card
Pros
- 4X on dining worldwide, 4X at US supermarkets
- $120 dining credit + $120 Uber Cash annually
- 3X on flights booked directly with airlines
Cons
- $250 annual fee (offset by credits)
- No general travel bonus
- Amex acceptance less universal than Visa
Frequently Asked Questions
Which card has better dining rewards?
The Amex Gold earns 4X points at restaurants worldwide vs. 3X for the Chase Sapphire Preferred. If dining is your top spending category, the Amex Gold offers better earning potential.
Which card is better for travel?
The Chase Sapphire Preferred offers 2X on all travel with flexible transfer partners and no foreign transaction fees. The Amex Gold earns 3X on flights booked directly with airlines. Chase is generally more versatile for diverse travel spending.
Can I have both cards at the same time?
Yes. Since they are from different issuers, you can hold both cards simultaneously. Some travelers use the Amex Gold for dining and groceries while using the Chase Sapphire for general travel spending.
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