Dedicated comparison page
American Express Gold Card vs Chase Sapphire Preferred 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 $325 annual fee, up to 100,000 membership rewards points after $8,000 in 6 months, and good to excellent credit.
Best for: People focused on dining rewards who can justify a $325 annual fee and who typically have good to excellent credit.
by Chase
Chase Sapphire Preferred is a travel card from Chase with a $95 annual fee, 100,000 bonus points after $5,000 in 3 months, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
| Metric | American Express Gold Card | Chase Sapphire Preferred |
|---|---|---|
| Annual Fee | $325 | $95 |
| Reward Rate | 5.0% | 5.0% |
| Signup Bonus | Up to 100,000 Membership Rewards points after $8,000 in 6 months | 100,000 bonus points after $5,000 in 3 months |
| Foreign Transaction Fee | None | None |
| Recommended Credit | Good to excellent credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 5% on Travel-portal, 4% on Dining and 4% on Groceries, plus 1% on other purchases. | Earn elevated rewards with 5% on Travel, 3% on Dining and 3% on Online, plus 1% on other purchases. |
Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on dining rewards who can justify a $325 annual fee and who typically have good to excellent credit.
Its strongest earning category is Travel at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent 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.
American Express Gold Card has the lowest published starting credit range in this comparison at 700.
Chase Sapphire Preferred has the lowest annual fee in this comparison at $95.