Dedicated comparison page
American Express Gold Card vs Chase Freedom Flex on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by American Express
American Express Gold Card is a dining card from American Express with a $250 annual fee, 60,000 points after $6,000 in 6 months, and good to excellent credit.
Best for: People focused on dining rewards who can justify a $250 annual fee and who typically have good to excellent credit.
by Chase
Chase Freedom Flex is a cashback card from Chase with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
| Metric | American Express Gold Card | Chase Freedom Flex |
|---|---|---|
| Annual Fee | $250 | None |
| Reward Rate | 1.0% | 1.0% |
| Signup Bonus | 60,000 points after $6,000 in 6 months | $200 bonus after $500 in 3 months |
| Foreign Transaction Fee | None | 3.0% |
| Recommended Credit | Good to excellent credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 4% on Dining, 4% on Groceries and 3% on Travel, plus 1% on other purchases. | Earn elevated rewards with 5% on Travel, 3% on Dining and 3% on Groceries, plus 1% on other purchases. |
Its strongest earning category is Dining at 4%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on dining rewards who can justify a $250 annual fee and who typically have good to excellent credit.
Its strongest earning category is Travel at 5%, backed by 1% on general spending.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Chase Freedom Flex has the lowest published starting credit range in this comparison at 670.
Chase Freedom Flex has the lowest annual fee in this comparison at no annual fee.