Card comparison · American Express vs Chase
Amex Gold vs Chase Sapphire Reserve
The Amex Gold ($325 annual fee) ranks #2 and the Chase Sapphire Reserve ($795) ranks #1 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Amex Gold | Chase Sapphire Reserve | |
|---|---|---|
| Issuer | American Express | Chase |
| Annual fee | $325 | $795 |
| Welcome offer | Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months. | Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. |
| Rewards |
|
|
| Intro APR | — | — |
| Ongoing APR | — | — |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | None |
| Our overall score | 80 (#2 of 294) | 82 (#1 of 294) |
| Grocery ranking | #3 of 57 | not in this list |
| Dining ranking | #3 of 67 | #4 of 67 |
| Travel ranking | #11 of 47 | #1 of 47 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Chase Sapphire Reserve (82 vs 80). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Amex Gold, by $470 a year ($325 vs $795). The pricier card has to earn at least $470 more in rewards or credits you actually use to come out ahead.
- Grocery: only Amex Gold is in our grocery ranking (#3 of 57).
- Dining: Amex Gold ranks higher in our dining ranking (#3 vs #4 of 67).
- Travel: Chase Sapphire Reserve ranks higher in our travel ranking (#1 vs #11 of 47).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Amex Gold better than the Chase Sapphire Reserve?
By our overall score the Chase Sapphire Reserve ranks higher (82 vs 80), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Amex Gold or Chase Sapphire Reserve?
The Amex Gold: $325 vs $795, as stored in our database.
What are the welcome offers on the Amex Gold and Chase Sapphire Reserve?
Amex Gold: Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months. Chase Sapphire Reserve: Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Grocery: only Amex Gold is in our grocery ranking (#3 of 57). Dining: Amex Gold ranks higher in our dining ranking (#3 vs #4 of 67). Travel: Chase Sapphire Reserve ranks higher in our travel ranking (#1 vs #11 of 47).
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