American Express Gold Card vs Chase Sapphire Preferred

Side by side, with every fee, rate and offer as the issuer publishes it.

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Card	American Express American Express Gold Card	Chase Chase Sapphire Preferred
Annual fee	$325/yr	$95/yr
Rewards	4x restaurants worldwide (up to $50K/yr) & US supermarkets (up to $25K/yr), 3x flights, 1x else; 5x prepaid hotels & 2x prepaid car rentals via Amex Travel; dining & Uber credits	5x Chase Travel, 3x dining/gas stations/EV charging/vacation homes at top brands/streaming/online grocery, 2x other travel, 1x else; up to $100 Chase Travel hotel credit yearly
Welcome offer	None listed	75,000 points after $5,000 spend in 3 months
Intro APR	None listed	None listed
Regular APR	Charge card (pay in full); Pay Over Time 19.74% to 28.74% variable APR	19.49%–27.74% variable
Credit usually needed	Excellent	Excellent
Network	American Express	Visa
Card type	Travel	Travel
Links	Apply ↗ More info ›	Apply ↗ More info ›

Terms checked on Oct. 26, 2026 on the issuer's own site. Rates and offers change; the issuer's page has the final terms.