The Chase Sapphire Preferred edges out the American Express Gold Card for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 5x vs 4x). The American Express Gold Card is the better choice if you prioritize a different rewards ecosystem.
American Express Gold Card vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Chase Sapphire Preferred is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. American Express Gold Card still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if you will actually use recurring statement credits and premium benefits.
Best if you care most about stronger category earning on everyday spend.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Restaurants (Worldwide) 4x
- U.S. Supermarkets 4x
- Flights (Direct or Amex Travel) 3x
- Chase Travel 5x
- Dining 3x
- Gas Stations 3x
- Uber Cash $10
- Dining Credit $10
- Resy Credit $100
- +1 more
- Chase Travel Hotel Credit $100
- Global Entry / TSA PreCheck / NEXUS Credit $120
- DoorDash Monthly Promo $10
- The Hotel Collection Access
- Baggage Insurance Plan
- Trip Delay Insurance
- DashPass
- Apple TV Benefit
- 5x on Lyft Rides
- +7 more
- Flying Blue
- Delta SkyMiles
- JetBlue TrueBlue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +10 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Preferred edges out the American Express Gold Card for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 5x vs 4x). The American Express Gold Card is the better choice if you prioritize a different rewards ecosystem. On raw upside, Chase Sapphire Preferred tops out at 5x versus 4x for American Express Gold Card. Current signup bonus values are roughly $1000 for American Express Gold Card and $1000 for Chase Sapphire Preferred. Summary generated June 21, 2026. Source: https://cardcurator.ai/compare/american-express-gold-card-vs-chase-sapphire-preferred
- Chase Sapphire Preferred wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; American Express Gold Card reaches 4x.
- Annual fee: Chase Sapphire Preferred is $95/yr; American Express Gold Card is $325/yr.
- Current public bonus values are approximately $1000 and $1000.
Common Questions: American Express Gold Card vs Chase Sapphire Preferred
Is the American Express Gold Card or Chase Sapphire Preferred better for dining?
American Express Gold Card earns 4x on dining; Chase Sapphire Preferred earns 3x on dining. American Express Gold Card wins for dining.
Which has the higher signup bonus in 2026?
American Express Gold Card currently offers 100,000 pts signup bonus (spend $6,000 in 6 months). Chase Sapphire Preferred offers 100,000 pts signup bonus (spend $5,000 in 3 months). Both bonuses are roughly equal in value.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the American Express Gold Card and the Chase Sapphire Preferred?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and Chase Sapphire Preferred is from Chase, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.