{"id":183491,"date":"2025-07-28T21:00:08","date_gmt":"2025-07-28T21:00:08","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/28\/chase-sapphire-preferred-vs-amex-gold-which-card-is-best-the-points-guy\/"},"modified":"2025-07-28T21:00:08","modified_gmt":"2025-07-28T21:00:08","slug":"chase-sapphire-preferred-vs-amex-gold-which-card-is-best-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/07\/28\/chase-sapphire-preferred-vs-amex-gold-which-card-is-best-the-points-guy\/","title":{"rendered":"Chase Sapphire Preferred vs. Amex Gold: Which card is best? – The Points Guy"},"content":{"rendered":"


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For many, the $600-plus annual fees that come with ultra-premium travel cards<\/a> such as the Chase Sapphire Reserve\u00ae<\/a><\/span> (see rates and fees<\/a>) and The Platinum Card\u00ae from American Express<\/a><\/span> (see rates and fees<\/a>) aren’t justifiable. If you aren’t traveling regularly and utilizing the full lineup of perks and credits, it may not be worth adding those cards to your wallet.<\/p>\n

However, both Chase and Amex have excellent mid-tier cards<\/a>: the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a>) and the American Express\u00ae Gold Card<\/a><\/span>.<\/p>\n

While both of these products act as sister cards to their luxury counterparts, there are many differences between them. In this showdown, we’re walking through a side-by-side comparison of these cards to help you determine which is right for you \u2014 or whether both deserve spots in your wallet<\/a>.<\/p>\n

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

Here’s a quick overview that compares the key perks on these two cards:<\/p>\n

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\n\n\n\n\n\n\n\n\n\n\n
Card<\/strong><\/th>\nChase Sapphire Preferred<\/a> <\/strong><\/th>\nAmex Gold<\/a><\/strong><\/th>\n<\/tr>\n<\/thead>\n
Welcome bonus<\/strong><\/td>\nEarn 75,000 bonus points after you spend $5,000 on purchases within the first three months from account opening.<\/td>\nFind out your offer and see if you are eligible for as high as 100,000 Membership Rewards points after spending $6,000 on eligible purchases in your first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.<\/td>\n<\/tr>\n
Annual fee<\/strong><\/td>\n$95<\/td>\n$325 (see rates and fees<\/a>)<\/td>\n<\/tr>\n
Earning rates<\/strong><\/td>\n\n
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  • Earn 5 points per dollar spent on travel booked through Chase Travel\u2120<\/li>\n
  • Earn 5 points per dollar spent on Lyft (through Sept. 2027)<\/li>\n
  • Earn 5 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 2027, with a limit of 25,000 bonus points)<\/li>\n
  • Earn 3 points per dollar spent on dining, select streaming services and online groceries (excludes Target, Walmart and wholesale clubs)<\/li>\n
  • Earn 2 points per dollar spent on all other travel<\/li>\n
  • Earn 1 point per dollar spent on everything else<\/li>\n<\/ul>\n<\/td>\n
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  • Earn 4 points per dollar spent on dining at restaurants worldwide (up to $50,000 per calendar year; then 1 point per dollar)<\/li>\n
  • Earn 4 points per dollar spent at U.S. supermarkets (up to $25,000 per calendar year; then 1 point per dollar)<\/li>\n
  • Earn 3 points per dollar spent on airfare purchased directly from 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 purchases<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Point valuation (based on TPG’s July 2025 valuations<\/a>)<\/strong><\/td>\n2.05 cents apiece<\/td>\n2 cents apiece<\/td>\n<\/tr>\n
Perks<\/strong><\/td>\n\n
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  • $50 annual credit on hotel stays purchased through Chase Travel<\/li>\n
  • Cardmember anniversary bonus \u2014 earn bonus points equal to 10% of your spending the previous year<\/li>\n
  • Complimentary DoorDash DashPass membership (activate by Dec. 31, 2027)<\/li>\n<\/ul>\n<\/td>\n
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  • Up to $120 per calendar year in Uber Cash (up to $10 each month, for U.S. services; Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method and redeem with any Amex card.)*<\/li>\n
  • Up to $120 each calendar year in dining statement credits for purchases at select merchants (up to $10 credit per month)*<\/li>\n
  • Up to $100 statement credit per calendar year for purchases at U.S. Resy-affiliated restaurants (up to $50 bi-annually)*<\/li>\n
  • Up to $84 statement credit each calendar year for purchases at U.S. Dunkin’ Donuts (up to $7 per month)*<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Travel protections<\/strong><\/td>\n\n
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  • Trip cancellation and interruption insurance<\/li>\n
  • Primary car rental insurance<\/li>\n
  • Baggage delay insurance<\/li>\n
  • Trip delay reimbursement<\/li>\n
  • Travel and emergency assistance services<\/li>\n<\/ul>\n<\/td>\n
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