American Express® Gold Card vs Chase Sapphire Preferred® Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Annual Fee
$325
$95
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Chase Ultimate Rewards
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
Limited time: 100,000 Chase Ultimate Rewards after $5,000 in 3 months

Effective return by category

CategoryAmerican Express® Gold CardChase Sapphire Preferred® Card
Dining & Restaurants8.00%
4x
6.00%
3x
Groceries8.00%
4x · $25,000 cap
2.00%
1x
Travel6.00%
3x
4.00%
2x
Streaming Services2.00%
1x
6.00%
3x
EV Charging2.00%
1x
4.00%
2x
Gas Stations2.00%
1x
2.00%
1x
Everything else2.00%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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