American Express Gold Card vs Chase Sapphire Preferred
并排比较，每项费用、利率和优惠均以发卡机构公布的为准。
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| 卡 |  American Express American Express Gold Card |
 Chase Chase Sapphire Preferred |
|---|---|---|
| 年费 | $325/年 | $95/年 |
| 奖励 | 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 |
| 开卡奖励 | 暂无信息 | 75,000 points after $5,000 spend in 3 months |
| 优惠期年利率 | 暂无信息 | 暂无信息 |
| 常规年利率 | Charge card (pay in full); Pay Over Time 19.74% to 28.74% variable APR | 19.49%–27.74% variable |
| 通常所需信用 | 优秀 | 优秀 |
| 卡组织 | American Express | Visa |
| 卡片类型 | 旅行 | 旅行 |
| 链接 | 申请 详情 | 申请 详情 |
主要区别
- Chase Sapphire Preferred has the lower annual fee: $95 vs $325 for American Express Gold Card.
- American Express Gold Card runs on American Express; Chase Sapphire Preferred runs on Visa.
每张卡适合谁
条款已于 2026年10月26日 在发卡机构官网核对。 利率和优惠可能变动，最终条款以发卡机构页面为准。
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