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Head to head
Amex Gold vs Chase Sapphire Preferred
Amex Gold vs Chase Sapphire Preferred: Quick Verdict
On listed credits alone, the Amex Gold comes out $194 a year ahead if you use them all. The Chase Sapphire Preferred is $230 a year cheaper to keep. Which one is better depends on the credits you would actually use and where you spend, so compare the earning rates below.
Annual Fee Comparison
The Amex Gold costs $325 a year and the Chase Sapphire Preferred costs $95 a year, a difference of $230 a year.
If you use every listed credit, the Amex Gold returns $674 a year ($349 more than its fee) and the Chase Sapphire Preferred returns $250 ($155 more than its fee).
Statement Credits and Perks Compared
- Resy Dining Credit$50 / 6mo
- American Express Venue Collection Concessions Statement Credit$250 / yr
- Monthly Uber Cash Credit$10 / mo
- Monthly Dunkin' Credit$7 / mo
- Dining Credit at Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder$10 / mo
- Annual Hotel Credit via Chase Travel$100 / yr
- DoorDash Monthly Non-Restaurant Credit$10 / mo
- Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yr
- Complimentary Apple TV$180
Earning Rates Side by Side
| Category | Amex Gold | Chase Sapphire Preferred |
|---|---|---|
| Dining | 4x | 3x |
| Flights | 3x | - |
| Gas | - | 3x |
| Groceries | 4x | - |
| Hotels | 5x | - |
| Rideshare | - | 5x |
| Streaming | - | 3x |
| Travel general | - | 2x |
| Everything else | 1x | 1x |
Which Card Is Better for Travel?
The Amex Gold earns 3x points ≈ 4.5% back (1.5¢/pt) on flights. The Chase Sapphire Preferred earns 2x points ≈ 3% back (1.5¢/pt) on travel. On catalog rates, the Amex Gold returns more on travel.
Which Card Is Better for Everyday Spending?
The Amex Gold earns 1x points ≈ 1.5% back (1.5¢/pt) on everything else. The Chase Sapphire Preferred earns 1x points ≈ 1.5% back (1.5¢/pt) on everything else. On catalog rates, the two cards return about the same on purchases outside bonus categories.
Returns use Creddy's point values, as on the best-card rankings. Caps, portal rules and redemption choices change what you actually get.
Guides for comparing card value
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Amex Gold vs Chase Sapphire Preferred FAQs
Amex Gold vs Chase Sapphire Preferred - which is worth it?
Neither Amex Gold nor Chase Sapphire Preferred is better for everyone. Compare the benefits and earning-rate tables for eligible purchases, portal requirements, caps and usable credits, then subtract each annual fee using the same spending and redemption assumptions. Include interest and other charges if you carry a balance.
What is the annual fee difference between the amex gold and chase sapphire preferred?
Creddy's September 26, 2026 catalog lists $325 for Amex Gold and $95 for Chase Sapphire Preferred, a $230 difference in standard annual fees. Check first-year waivers, additional-card fees and current issuer pricing before deciding.
Which has better benefits, the amex gold or the chase sapphire preferred?
Neither Amex Gold nor Chase Sapphire Preferred is better for everyone. Compare the benefits and earning-rate tables for eligible purchases, portal requirements, caps and usable credits, then subtract each annual fee using the same spending and redemption assumptions.
Can I have both the amex gold and the chase sapphire preferred?
It may be possible to hold both Amex Gold and Chase Sapphire Preferred if you meet each issuer's current account and application rules. Approval and welcome-bonus eligibility are separate; business cards also have business eligibility requirements. Compare the combined fees with value you would actually use.
Which is easier to get approved for, the amex gold or the chase sapphire preferred?
Creddy cannot predict which application will be approved. Each issuer evaluates your credit profile and application under its current rules; a prequalification result or a bonus eligibility rule is not an approval guarantee.