{"id":180476,"date":"2025-07-13T19:00:22","date_gmt":"2025-07-13T19:00:22","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/13\/chase-sapphire-reserve-vs-american-express-gold-a-top-luxury-travel-card-against-a-top-foodie-card-the-points-guy\/"},"modified":"2025-07-13T19:00:22","modified_gmt":"2025-07-13T19:00:22","slug":"chase-sapphire-reserve-vs-american-express-gold-a-top-luxury-travel-card-against-a-top-foodie-card-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/13\/chase-sapphire-reserve-vs-american-express-gold-a-top-luxury-travel-card-against-a-top-foodie-card-the-points-guy\/","title":{"rendered":"Chase Sapphire Reserve vs. American Express Gold: A top luxury travel card against a top foodie card – The Points Guy"},"content":{"rendered":"


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When it comes to travel rewards cards, you usually get what you pay for in terms of bonus categories and perks. This is why we usually compare cards within a single category to try to find the best premium rewards card<\/a> or the best no-annual-fee cards<\/a>.<\/p>\n

The problem is that the American Express\u00ae Gold Card<\/a><\/span> doesn’t fit neatly into any category. It straddles the line between midlevel and premium<\/a>, offering high-value bonus categories for the foodie at a $325 annual fee (see rates and fees<\/a>). Then there’s the premium Chase Sapphire Reserve\u00ae<\/a><\/span> (see rates and fees<\/a>) that just recently received a major overhaul<\/a>.<\/p>\n

If you’re a foodie and traveler trying to decide between the Amex Gold and the Chase Sapphire Reserve \u2014 one of the best cards for travel and dining overall \u2014 here’s what to consider to help you decide which card is a better fit for your needs.<\/p>\n

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Sapphire Reserve vs. Amex Gold comparison<\/h2>\n

Let’s start with a quick overview of each card’s highlights:<\/p>\n

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\n\n\n\n\n\n\n\n\n\n
\nChase Sapphire Reserve^<\/strong><\/th>\nAmex Gold<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Annual fee<\/strong><\/td>\n$795<\/td>\n$325<\/td>\n<\/tr>\n
Welcome offer<\/strong><\/td>\nEarn 100,000 points and a $500 Chase Travel\u2120 credit after spending $5,000 on purchases in the first three months from account opening.<\/td>\nFind out your offer and see if you are eligible to earn as high as 100,000 Membership Rewards points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.<\/td>\n<\/tr>\n
Bonus categories<\/strong><\/td>\n\n
    \n
  • Earn 10 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027), with a maximum of 50,000 points.<\/li>\n
  • Earn 8 points per dollar spent on purchases made through Chase Travel, including The Edit.<\/li>\n
  • Earn 5 points per dollar spent on Lyft rides (through Sept. 30, 2027).<\/li>\n
  • Earn 4 points per dollar spent on flights and hotels booked directly.<\/li>\n
  • Earn 3 points per dollar spent on dining worldwide.<\/li>\n
  • Earn 1 point per dollar spent on everything else.<\/li>\n
  • Note that elevated earnings on travel are received after spending your first $300 on travel each calendar year.<\/li>\n<\/ul>\n

    Elevated earning rates on flights and hotels booked directly and Chase Travel purchases apply only after exhausting the $300 annual travel credit and the $500 Chase Travel credit featured as part of the welcome bonus. Existing Sapphire Reserve cardholders won’t get access to the new earning rates until Oct. 26.<\/p>\n<\/td>\n

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  • Earn 4 points per dollar spent on up to $50,000 per calendar year on dining at restaurants worldwide (then 1 point per dollar).<\/li>\n
  • Earn 4 points per dollar spent on up to $25,000 in purchases at U.S. supermarkets per calendar year (then 1 point per dollar).<\/li>\n
  • Earn 3 points per dollar spent on flights booked directly with the airline or through amextravel.com.<\/li>\n
  • Earn 2 points per dollar spent on prepaid hotels and other eligible purchases booked through amextravel.com.<\/li>\n
  • Earn 1 point per dollar spent on all other eligible purchases.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Annual statement credits<\/strong><\/td>\n\n
    \n
  • $500 annual credit (up to $250 statement credit biannually; two-night minimum stay required) to use on The Edit via Chase Travel<\/li>\n
  • $300 annual travel credit<\/li>\n
  • $300 annual StubHub and Viagogo credit (up to $150 statement credit biannually)(through Dec. 31, 2027)<\/li>\n
  • $300 annual dining credit (up to $150 in statement credits biannually at Sapphire Reserve Exclusive Tables)<\/li>\n
  • $300 in annual DoorDash credits: Cardholders receive up to $25 in monthly promos with two $10 nonrestaurant promos and one $5 restaurant promo, and a complimentary DashPass membership for at least one year worth $120 (must activate by Dec. 31, 2027)<\/li>\n
  • Up to $250 annually in the form of complimentary Apple TV+ and Apple Music subscriptions (through June 22, 2027; one-time activation per service through chase.com or the Chase Mobile app is required)<\/li>\n
  • Up to $120 annually in Lyft in-app credits: Cardholders receive up to $10 each month; the credit does not apply to Wait & Save, bike or scooter rides (through Sept. 30, 2027)<\/li>\n
  • Up to $120 in Peloton credit (through Dec. 31, 2027; activation required)<\/li>\n
  • Up to $120 in Global Entry, TSA PreCheck or Nexus application fee statement credit (once every four years)<\/li>\n<\/ul>\n<\/td>\n
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  • Up to $10 in monthly dining statement credit at the following partners: Five Guys, Grubhub, the Cheesecake Factory, Goldbelly and Wine.com (up to $120 per calendar year)<\/li>\n
  • Up to $10 in monthly Uber credit in the form of Uber Cash that can be used on U.S. Uber rides and Uber Eats orders (up to $120 per calendar year); you must add the card to your Uber account and can redeem with any Amex card<\/li>\n
  • Up to $100 in statement credits for purchases at U.S. Resy-affiliated restaurants per calendar year (up to $50 semiannually)<\/li>\n
  • Up to $7 in monthly statement credit for U.S. Dunkin’ purchases (up to $84 per calendar year)<\/li>\n
  • Enrollment is required for select benefits; terms apply<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Other card benefits<\/strong><\/td>\n\n
    \n
  • Chase and Priority Pass lounge access for the primary cardholder and up to two guests, plus access to select Air Canada Maple Leaf lounges for you and one guest when flying on a Star Alliance airline<\/li>\n
  • IHG One Rewards Platinum elite status<\/li>\n
  • Complimentary status upgrades and discounts with Avis and National<\/li>\n
  • Trip cancellation\/interruption insurance<\/li>\n
  • Baggage loss and delay insurance<\/li>\n
  • Purchase protections<\/li>\n
  • No foreign transaction fees<\/li>\n
  • Plus, you can unlock these benefits after spending $75,000 or more in a calendar year:\n
      \n
    • Southwest Airlines A-List status<\/li>\n
    • IHG One Rewards Diamond elite status<\/li>\n
    • $500 Southwest credit<\/li>\n
    • $250 Shops at Chase credit<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n
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