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American Express Gold Card vs Chase Sapphire Preferred
Every benefit and earning rate compared in real dollars
American Express Gold Card
American Express · $325/yr fee
Total Value$754/yr
Annual Fee-$325
Net Value+$429
Chase Sapphire Preferred
Chase · $95/yr fee
Total Value$815/yr
Annual Fee-$95
Net Value+$720
Chase Sapphire Preferred wins by $291/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | Amex Gold | Chase Sapphire Preferred |
|---|---|---|
| Prepaid hotels (Amex Travel) | 5x | – |
| Chase Travel bookings | – | 5x |
| U.S. Restaurants | 4x | – |
| U.S. Supermarkets | 4x | – |
| Flights (direct or Amex Travel) | 3x | – |
| Dining | – | 3x |
| Online grocery | – | 3x |
| Streaming services | – | 3x |
| Prepaid car rentals & cruises (Amex Travel) | 2x | – |
| Other travel (booked directly) | – | 2x |
| All other purchases | 1x | 1x |
Benefits Both Cards Share (5)
Car Rental Loss & Damage Insurance
$75vs$200
Purchase Protection
$100vs$75
Extended Warranty
$50vs$50
Trip Delay Reimbursement
$30vs$50
No Foreign Transaction Fees
$50vs$50
Only on Amex Gold (5)
Uber Cash Credit
$120/yrStatement Credits
Dining Credit
$120/yrStatement Credits
Resy Dining Credit
$100/yrStatement Credits
Dunkin Credit
$84/yrStatement Credits
Venue Collection Concessions Credit
$25/yrShopping & Lifestyle
Only on Chase Sapphire Preferred (3)
Hotel Credit
$50/yrStatement Credits
Trip Cancellation/Interruption Insurance
$100/yrInsurance & Protection
DoorDash DashPass
$240/yrShopping & Lifestyle
Have one of these cards?
See your personal Gap, the dollar value of benefits you're not using across all your cards.