Card comparison · Chase vs American Express
Chase Sapphire Preferred vs Amex Gold
The Chase Sapphire Preferred ($95 annual fee) ranks #7 and the Amex Gold ($325) ranks #2 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Chase Sapphire Preferred | Amex Gold | |
|---|---|---|
| Issuer | Chase | American Express |
| Annual fee | $95 | $325 |
| Welcome offer | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months. |
| Rewards |
|
|
| Intro APR | — | — |
| Ongoing APR | — | — |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | None |
| Our overall score | 68 (#7 of 294) | 80 (#2 of 294) |
| Grocery ranking | #5 of 57 | #3 of 57 |
| Dining ranking | #6 of 67 | #3 of 67 |
| Travel ranking | #20 of 47 | #11 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: Amex Gold (80 vs 68). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Chase Sapphire Preferred, by $230 a year ($95 vs $325). The pricier card has to earn at least $230 more in rewards or credits you actually use to come out ahead.
- Grocery: Amex Gold ranks higher in our grocery ranking (#3 vs #5 of 57).
- Dining: Amex Gold ranks higher in our dining ranking (#3 vs #6 of 67).
- Travel: Amex Gold ranks higher in our travel ranking (#11 vs #20 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 Chase Sapphire Preferred better than the Amex Gold?
By our overall score the Amex Gold ranks higher (80 vs 68), 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, Chase Sapphire Preferred or Amex Gold?
The Chase Sapphire Preferred: $95 vs $325, as stored in our database.
What are the welcome offers on the Chase Sapphire Preferred and Amex Gold?
Chase Sapphire Preferred: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Amex Gold: Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Grocery: Amex Gold ranks higher in our grocery ranking (#3 vs #5 of 57). Dining: Amex Gold ranks higher in our dining ranking (#3 vs #6 of 67). Travel: Amex Gold ranks higher in our travel ranking (#11 vs #20 of 47).
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