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CardCurator — Rewards Intelligence
Card Comparison

American Express Gold Card vs Visa Signature® Flagship Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Gold Card card art
American Express Membership Rewards
American Express Gold Card
American Express
More Info
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
$325/yr
$49/yr
Foreign Fees
None
None
Signup Bonus
90,000 points
Spend $6,000 in 6 months
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • Restaurants (Worldwide) 4x
  • U.S. Supermarkets 4x
  • Flights (Direct or Amex Travel) 3x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Uber Cash $10
  • Dining Credit $10
  • Resy Credit $100
  • +1 more
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
  • Trip Delay Insurance
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
Cash back only
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Common Questions: American Express Gold Card vs Visa Signature® Flagship Rewards

Is the American Express Gold Card or Visa Signature® Flagship Rewards better for dining?

American Express Gold Card earns 4x on dining; Visa Signature® Flagship Rewards has no dining bonus.

Which has the higher signup bonus in 2026?

American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). American Express Gold Card has the larger bonus.

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 Visa Signature® Flagship Rewards?

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 Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.