Amex Gold vs Chase Sapphire Preferred: Who Wins In 2024?

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Last updated on October 14th, 2024 at 08:12 am

Amex Gold vs Chase Sapphire Preferred: Which Card Wins?

If you are looking for a travel rewards card that also offers generous benefits for dining and other purchases, you might be considering the Amex Gold or the Chase Sapphire Preferred.

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Both cards are popular choices among travelers and foodies, but they have some key differences that could make one card more suitable for your needs than the other.

In this article, we will compare the Amex Gold and the Chase Sapphire Preferred in terms of their welcome bonuses, annual fees, earning rates, perks, and point valuations.

We will also answer some frequently asked questions and provide a conclusion on which card is better for you.

[Also Read: Is the Amex Platinum Card Worth the Annual Fee?]

Welcome Bonus

Both cards offer a generous welcome bonus for new cardholders who meet the spending requirement within the first few months of account opening. The Amex Gold offers 60,000 Membership Rewards points after you spend $4,000 in the first six months. The Chase Sapphire Preferred offers 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

The value of these bonuses depends on how you redeem your points. According to NerdWallet’s valuations, both Membership Rewards and Ultimate Rewards points are worth 2 cents each when transferred to airline or hotel partners. This means that both bonuses are worth $1,200 in travel value. However, if you redeem your points for other options, such as cashback, statement credits, gift cards, or travel booked through the respective portals, the value of your points may vary. For example, if you redeem your points for cash back or statement credits, the Amex Gold bonus is worth $600, while the Chase Sapphire Preferred bonus is worth $750.

Annual Fee

The Amex Gold has a higher annual fee than the Chase Sapphire Preferred: $250 vs $95. However, the Amex Gold also offers more credits and benefits that can help offset the annual fee, depending on how you use them. The Amex Gold offers up to $120 annual dining statement credit (up to $10 monthly) for purchases made with select partners: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and participating Shake Shack locations. It also offers up to $120 in annual Uber Cash ($10 monthly credits) for U.S. Uber Eats orders or Uber rides. These credits add up to $240 in potential savings per year.

The Chase Sapphire Preferred does not offer any credits, but it does offer up to $50 annual credit on hotel stays purchased through Ultimate Rewards and up to $10 in Gopuff credit monthly. These perks are worth up to $170 per year.

If you are able to use all the credits offered by the Amex Gold without overspending, then the effective annual fee of this card is only $10 ($250 – $240). However, if you do not use these credits or spend more than usual to use them, then the effective annual fee of this card is higher than the Chase Sapphire Preferred.

Earning Rates

Both cards offer bonus points on travel and dining purchases, but they have different definitions and rates for these categories. The Amex Gold offers 4 points per dollar on dining at restaurants worldwide (including takeout and delivery), 4 points per dollar on U.S. supermarkets (up to $25,000 spent each calendar year), 3 points per dollar on flights booked directly from airlines or amextravel.com

Travel Benefits

Both cards offer travel benefits that can enhance your travel experience and save you money. However, they have different types of benefits that appeal to different travelers.

The Amex Gold offers the following travel benefits:

No foreign transaction fees.

3 points per dollar on flights booked directly from airlines or amextravel.com.

The Hotel Collection, which offers a $100 hotel experience credit when you use your card to book a stay of two nights or more at participating properties through Amex Travel. You can also enjoy room upgrades when available.

Access to the American Express Global Lounge Collection, which includes over 1,300 airport lounges across 140 countries and 500 cities. You can access these lounges for a fee of $32 per person per visit.

Access to Amex Travel, which offers exclusive discounts and perks on flights, hotels, car rentals, cruises, and vacation packages.

Access to Amex Offers, which are targeted deals that can save you money on travel, dining, shopping, and more. You can add these offers to your card and get statement credits or bonus points when you use your card at eligible merchants.

Access to Amex Experiences, which offers presale tickets and preferred seating to concerts, sports, theater, and more.

Access to Premium Global Assist Hotline, which provides 24/7 emergency assistance when you travel more than 100 miles from home. You can get help with medical, legal, financial, and other issues. Some services may be subject to fees.

The Chase Sapphire Preferred offers the following travel benefits:

No foreign transaction fees.

5 points per dollar on travel booked through the Ultimate Rewards Travel portal.

2 points per dollar on all other travel purchases.

$50 annual credit on hotel stays purchased through Ultimate Rewards.

Up to $10 in Gopuff credit monthly.

25% more value when you redeem your points for travel booked through the Ultimate Rewards Travel portal. For example, 60,000 points are worth $750 in travel instead of $600 in cash back.

Transfer your points to 14 airline and hotel partners at a 1:1 ratio. Some of these partners include Southwest Airlines, United Airlines, JetBlue Airways, Marriott Bonvoy, and World of Hyatt.

Access to Chase Experiences, which offers exclusive events and experiences for cardholders.

Access to Chase Offers, which are targeted deals that can save you money on travel, dining, shopping, and more. You can activate these offers on your card and get statement credits when you use your card at eligible merchants.

Access to DoorDash DashPass membership for at least one year (must activate by Dec. 31, 2023, and enjoy free delivery and reduced service fees on orders over $12. Terms apply.

Comprehensive travel insurance benefits, such as trip cancellation/interruption insurance (up to $10,000 per person and $20,000 per trip), trip delay reimbursement (up to $500 per ticket), baggage delay insurance (up to $100 per day for up to five days), lost luggage reimbursement (up to $3,000 per passenger), travel accident insurance (up to $500,000 per person), and primary car rental insurance for damage or theft.

Access to Chase Travel Center, which offers exclusive discounts and perks on flights, hotels, car rentals, cruises, and vacation packages.

Access to Chase Ultimate Rewards portal, which offers a variety of ways to redeem your points, such as cash back, gift cards, travel, experiences, Apple products, and more.

Access to Chase Sapphire Events, which offers exclusive access to curated events and experiences for cardholders.

As you can see, both cards offer valuable travel benefits, but they cater to different types of travelers. The Amex Gold offers more credits and perks that can enhance your travel experience and save you money on dining and transportation. The Chase Sapphire Preferred offers more insurance benefits that can protect you from unexpected travel mishaps and save you money on car rentals. The Chase Sapphire Preferred also offers more flexibility and value when redeeming your points for travel.

Point Valuation

Both cards earn points that can be transferred to airline and hotel partners at a 1:1 ratio. This is usually the best way to maximize the value of your points, as you can often find award flights or hotel stays that are worth more than 2 cents per point. However, this also requires some research and flexibility on your part, as you have to deal with availability, blackout dates, fees, and other restrictions.

Both cards also offer other ways to redeem your points, such as cash back, statement credits, gift cards, or travel booked through their respective portals. However, these options usually offer a lower value for your points than transferring them to partners.

For example, if you redeem your points for cash back or statement credits, the Amex Gold points are worth 0.6 cents each, while the Chase Sapphire Preferred points are worth 1 cent each. If you redeem your points for travel booked through their portals, the Amex Gold points are worth 1 cent each (unless you have The Business Platinum Card® from American Express or The Platinum Card® from American Express), while the Chase Sapphire Preferred points are worth 1.25 cents each.

Therefore, the point valuation of both cards depends on how you redeem your points. If you transfer your points to partners, both cards offer a similar value of 2 cents per point. If you redeem your points for other options, the Chase Sapphire Preferred offers a higher value for your points than the Amex Gold.

Conclusion

The Amex Gold and the Chase Sapphire Preferred are both excellent travel rewards cards that offer generous bonuses, high earning rates, and valuable perks. However, they are not identical, and the best card for you depends on your spending habits, travel preferences, and redemption goals.

The Amex Gold is better for you if:

You spend a lot on dining and U.S. supermarkets.

 You can use all the credits offered by the card without overspending.

You prefer to transfer your points to airline partners or book flights through Amex Travel.

You value the access to airport lounges, hotel credits, and Amex Offers.

The Chase Sapphire Preferred is better for you if:

You spend a lot on travel booked through Ultimate Rewards or other travel purchases.

You want to pay a lower annual fee and get more value for your points when redeeming for cash back or statement credits.

You prefer to transfer your points to hotel partners or book travel through Ultimate Rewards.

You value the comprehensive travel insurance benefits and car rental insurance.

Both cards are worth considering if you want to earn flexible points that can be transferred to various partners or redeemed for different options. You can also get both cards and use them strategically to maximize your rewards. For example, you can use the Amex Gold for dining and U.S. supermarkets, and use the Chase Sapphire Preferred for travel and other purchases. You can also transfer your points from both cards to common partners, such as JetBlue Airways, Marriott Bonvoy, or British Airways, and combine them for bigger redemptions.

Ultimately, the best card for you is the one that matches your lifestyle and goals. Whichever card you choose, you can enjoy earning and redeeming rewards for your travel adventures.

Related Searches and FAQs

  Amex Gold vs Chase Sapphire Preferred Reddit

Reddit is a popular online forum where users can share their opinions and experiences with various products and services. If you search for “Amex Gold vs Chase Sapphire Preferred” on Reddit, you will find many threads where users discuss the pros and cons of both cards.

Some of the common themes are:

The Amex Gold is better for dining and U.S. supermarkets, while the Chase Sapphire Preferred is better for travel.

The Amex Gold has more credits and perks, but also a higher annual fee, while the Chase Sapphire Preferred has a lower annual fee but fewer benefits.

The Amex Gold has more airline transfer partners, while the Chase Sapphire Preferred has more hotel transfer partners.

The Chase Sapphire Preferred offers more value for cash back or statement credits, while the Amex Gold offers more value for flights booked through Amex Travel.

However, keep in mind that Reddit is not an official source of information, and users may have different preferences and experiences than you. Therefore, you should not rely solely on Reddit to make your decision, but rather do your own research and compare both cards based on your own needs and goals.

Amex Gold vs Chase Sapphire Preferred Credit

Both cards require good to excellent credit scores to qualify. According to American Express’s website, applicants need a credit score of 670 or higher to have a good chance of getting approved for the Amex Gold. According to Chase’s website, applicants need a credit score of 690 or higher to have a good chance of getting approved for the Chase Sapphire Preferred.

However, credit score is not the only factor that determines your approval chances. Both issuers also consider other factors, such as your income, debt-to-income ratio, payment history, credit utilization, and credit history length.

  Amex Gold vs Chase Sapphire Reserve

The Amex Gold and the Chase Sapphire Reserve are both premium travel rewards cards that offer high earning rates on dining and travel, as well as valuable perks and benefits. However, they have different annual fees, rewards currencies, and bonus categories.

The Amex Gold has a lower annual fee of $250, but also offers more points on U.S. supermarkets and flights booked directly from airlines or through Amex Travel. It also offers up to $240 in Uber and dining credits annually. The Amex Gold earns Membership Rewards points, which are best used for flights or transferred to airline partners.

The Chase Sapphire Reserve has a higher annual fee of $550, but also offers more travel perks like a $300 annual travel credit and lounge access. It also offers up to $50 in hotel credit and up to $10 in Gopuff credit monthly. The Chase Sapphire Reserve earns Ultimate Rewards points, which are best used for travel or cash back or transferred to hotel partners.

The better card depends on your spending habits and how you use the benefits. The Amex Gold is better suited for the bigger spender on food and flights, while the Chase Sapphire Reserve is better suited for the luxury traveler who values travel credits and insurance.

Chase Sapphire Preferred Benefits

The Chase Sapphire Preferred offers a variety of benefits that can enhance your travel experience and save you money. Some of these benefits are:

A generous welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, worth $750 in travel when redeemed through Ultimate Rewards.

A high earning rate of 5 points per dollar on travel booked through Ultimate Rewards, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases, and 1 point per dollar on all other purchases.

A flexible redemption program that allows you to redeem your points for cash back, statement credits, gift cards, travel, experiences, Apple products, and more. You can also transfer your points to 14 airline and hotel partners at a 1:1 ratio.

A 25% more value when you redeem your points for travel booked through Ultimate Rewards. For example, 60,000 points are worth $750 in travel instead of $600 in cash back.

A $50 annual credit on hotel stays purchased through Ultimate Rewards.

Up to $10 in Gopuff credit monthly.

A DoorDash DashPass membership for at least one year (must activate by Dec. 31, 2023.

Chase Sapphire Preferred vs Amex Platinum

The Chase Sapphire Preferred and the Amex Platinum are both travel rewards cards that offer flexible points that can be transferred to various partners or redeemed for different options. However, they have different annual fees, earning rates, and benefits that appeal to different types of travelers.

The Chase Sapphire Preferred has a lower annual fee of $95, but also offers a higher earning rate on travel booked through Ultimate Rewards, dining, select streaming services, and online grocery purchases. It also offers a $50 annual credit on hotel stays purchased through Ultimate Rewards and up to $10 in Gopuff credit monthly. The Chase Sapphire Preferred earns Ultimate Rewards points, which are best used for travel or cash back or transferred to hotel partners.

The Amex Platinum has a higher annual fee of $695, but also offers more travel perks like up to $200 airline fee credit, up to $100 Global Entry/TSA PreCheck application fee credit, up to $189 CLEAR credit, up to $200 prepaid hotel credit, up to $240 digital entertainment credit, and airport lounge access. It also offers complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status and access to Fine Hotels & Resorts and The Hotel Collection. The Amex Platinum earns Membership Rewards points, which are best used for flights or transferred to airline partners.

The better card depends on your spending habits and how you use the benefits. The Chase Sapphire Preferred is better suited for the budget-conscious traveler who values flexibility and value when redeeming points. The Amex Platinum is better suited for the frequent flyer who values luxury and convenience when traveling.

Is the Gold Amex Better Than the Blue?

The Gold Amex and the Blue Amex are two different types of cards that offer different features and benefits. The Gold Amex refers to the American Express® Gold Card, which is a travel rewards card that offers 4 points per dollar on dining and U.S. supermarkets, 3 points per dollar on flights booked directly from airlines or through Amex Travel, and 1 point per dollar on other purchases. It also offers up to $240 in Uber and dining credits annually. The Gold Amex has an annual fee of $250.

The Blue Amex refers to either the Blue Cash Everyday® Card from American Express or the Blue Cash Preferred® Card from American Express, which are cash-back cards that offer different earning rates on U.S. supermarkets, U.S. gas stations, select U.S. streaming services, transit, and other purchases. They also offer a 0% intro APR on purchases for 15 months (then a variable APR of 13.99% – 23.99%). The Blue Cash Everyday has no annual fee, while the Blue Cash Preferred has an annual fee of $0 intro for the first year, then $95 (see rates & fees).

The better card depends on your spending habits and preferences. The Gold Amex is better for you if you spend a lot on dining and travel and want to earn flexible points that can be transferred to various partners or redeemed for different options. The Blue Amex is better for you if you spend a lot on U.S. supermarkets and gas stations and want to earn cash back that can be redeemed as a statement credit or a gift card.

Is It Worth It To Have Amex Gold And Chase Sapphire Preferred?

It can be worth it to have both the Amex Gold and the Chase Sapphire Preferred if you want to maximize your rewards on different spending categories and have access to different transfer partners. For example, you can use the Amex Gold for dining and U.S. supermarkets, where it earns 4 points per dollar, and use the Chase Sapphire Preferred for travel and other purchases, where it earns 2 to 5 points per dollar. You can also transfer your points from both cards to common partners, such as JetBlue Airways, Marriott Bonvoy, or British Airways, and combine them for bigger redemptions.

However, having both cards also means paying two annual fees: $250 for the Amex Gold and $95 for the Chase Sapphire Preferred. Therefore, you should make sure that you can use the benefits and credits offered by both cards to offset the annual fees and get more value than what you pay. For example, you can use the up to $240 in Uber and dining credits from the Amex Gold and the $50 annual credit on hotel stays from the Chase Sapphire Preferred to reduce your travel expenses.

Ultimately, the worth of having both cards depends on your spending habits and redemption goals. If you can use both cards strategically and get more value than what you pay, then it can be worth it to have both. If not, then you might be better off choosing one card that suits your needs better.

Are Amex Rewards Better Than Chase?

Amex Rewards and Chase Rewards are two different rewards programs that offer different features and benefits. Amex Rewards refers to the Membership Rewards program, which is the rewards currency earned by cards like the American Express® Gold Card and The Platinum Card® from American Express. Chase Rewards refers to the Ultimate Rewards program, which is the rewards currency earned by cards like the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®.

Both programs offer flexible points that can be transferred to various airline and hotel partners at a 1:1 ratio or redeemed for different options, such as cash back, statement credits, gift cards, travel, experiences, Apple products, and more. However, they have different transfer partners, redemption values, and benefits that appeal to different types of travelers.

Some of the advantages of Amex Rewards are:

More airline transfer partners (19 vs 10) and some exclusive partners like Delta Air Lines, Air France/KLM Flying Blue, ANA Mileage Club, and Singapore Airlines KrisFlyer.

More earning potential on dining and U.S. supermarkets with the Amex Gold (4 points per dollar) and on flights booked directly from airlines or through Amex Travel with the Amex Platinum (5 points per dollar).

More perks and benefits with the Amex Platinum, such as up to $200 airline fee credit, up to $100 Global Entry/TSA PreCheck application fee credit, up to $189 CLEAR credit, up to $200 prepaid hotel credit, up to $240 digital entertainment credit, airport lounge access, complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status, and access to Fine Hotels & Resorts and The Hotel Collection.

Some of the advantages of Chase Rewards are:

More hotel transfer partners (4 vs 2) and some exclusive partners like Hyatt, IHG Rewards Club, and Southwest Airlines Rapid Rewards.

More value for cash back or statement credits (1 cent per point vs 0.6 cent per point) and travel booked through Ultimate Rewards (1.25 to 1.5 cents per point vs 1 cent per point).

More travel perks and benefits with the Chase Sapphire Reserve, such as a $300 annual travel credit, up to $50 in hotel credit, up to $10 in Gopuff credit monthly, Priority Pass Select membership, DoorDash DashPass membership and $5 monthly DoorDash statement credits through December 2024, Lyft Pink membership, and comprehensive travel insurance benefits.

Therefore, the better rewards program depends on your spending habits, travel preferences, and redemption goals. Amex Rewards is better for you if you value more airline transfer partners and more perks and benefits with the Amex Platinum. Chase Rewards is better for you if you value more hotel transfer partners and more value for cash back or travel booked through Ultimate Rewards.

How To Choose The Best Travel Rewards Card For You

Choosing the best travel rewards card for you depends on several factors, such as your spending habits, travel preferences, redemption goals, and budget. Here are some steps to help you choose the best travel rewards card for you:

Determine your spending habits. Look at your monthly expenses and see which categories you spend the most on. For example, if you spend a lot on dining and U.S. supermarkets, you might want a card that rewards those categories, such as the Amex Gold. If you spend a lot on travel and other purchases, you might want a card that rewards those categories, such as the Chase Sapphire Preferred.

Determine your travel preferences. Think about how often you travel, where you travel to, and how you travel. For example, if you travel frequently and value luxury and convenience when traveling, you might want a card that offers travel perks and benefits, such as the Amex Platinum or the Chase Sapphire Reserve. If you travel occasionally and value flexibility and value when traveling, you might want a card that offers flexible points and low fees, such as the Chase Sapphire Preferred or the Amex Gold.

Determine your redemption goals. Think about how you want to use your points or miles. For example, if you want to use your points for flights or transfer to airline partners, you might want a card that offers high earning rates on flights and more airline transfer partners, such as the Amex Platinum or the Amex Gold. If you want to use your points for travel or cash back or transfer to hotel partners, you might want a card that offers high value for those options and more hotel transfer partners, such as the Chase Sapphire Reserve or the Chase Sapphire Preferred.

Determine your budget. Think about how much you can afford to pay in annual fees and interest charges. For example, if you have a high income and can use the benefits and credits offered by the card, you might be able to justify paying a high annual fee, such as $695 for the Amex Platinum or $550 for the Chase Sapphire Reserve. If you have a low to moderate income and want to save money on fees, you might want to choose a card with a low or no annual fee, such as $95 for the Chase Sapphire Preferred or $0 for the Blue Cash Everyday.

By following these steps, you can narrow down your options and choose the best travel rewards card for you. You can also use online tools and calculators to compare different cards based on your spending habits and redemption goals.

Amex Gold Vs Chase Sapphire Preferred: Which Card Should You Get?

The Amex Gold and the Chase Sapphire Preferred are both great travel rewards cards that offer flexible points that can be transferred to various partners or redeemed for different options. However, they have different annual fees, earning rates, and benefits that appeal to different types of travelers.

The Amex Gold is better for you if:

You spend a lot on dining and U.S. supermarkets.

You can use all the credits offered by the card without overspending.

You prefer to transfer your points to airline partners or book flights through Amex Travel.

You value the access to airport lounges, hotel credits, and Amex Offers.

The Chase Sapphire Preferred is better for you if:

You spend a lot on travel booked through Ultimate Rewards or other travel purchases.

You want to pay a lower annual fee and get more value for your points when redeeming for cash back or statement credits.

You prefer to transfer your points to hotel partners or book travel through Ultimate Rewards.

You value the $50 annual credit on hotel stays and up to $10 in Gopuff credit monthly.

Both cards are worth considering if you want to earn flexible points that can be transferred to various partners or redeemed for different options. You can also get both cards and use them strategically to maximize your rewards. For example, you can use the Amex Gold for dining and U.S. supermarkets, and use the Chase Sapphire Preferred for travel and other purchases. You can also transfer your points from both cards to common partners, such as JetBlue Airways, Marriott Bonvoy, or British Airways, and combine them for bigger redemptions.

Ultimately, the best card for you is the one that matches your lifestyle and goals. Whichever card you choose, you can enjoy earning and redeeming rewards for your travel adventures.

Does Chase or Amex have better rewards?

This is a common question among travelers who want to earn and redeem flexible points for their trips. The answer depends on several factors, such as your spending habits, travel preferences, and redemption goals. Both Chase and Amex offer rewards programs that allow you to transfer your points to various airline and hotel partners or redeem them for different options, such as cash back, statement credits, gift cards, travel, experiences, Apple products, and more. However, they have different transfer partners, redemption values, and benefits that appeal to different types of travelers. For example, Amex has more airline transfer partners and more perks and benefits with the Amex Platinum card, while Chase has more hotel transfer partners and more value for cash back or travel booked through Ultimate Rewards. Therefore, the better rewards program for you is the one that matches your lifestyle and goals.

What card competes with Amex Gold?

The Amex Gold is a travel rewards card that offers 4 points per dollar on dining and U.S. supermarkets, 3 points per dollar on flights booked directly from airlines or through Amex Travel, and 1 point per dollar on other purchases. It also offers up to $240 in Uber and dining credits annually. The Amex Gold earns Membership Rewards points, which are best used for flights or transferred to airline partners. One of the main competitors of the Amex Gold is the Chase Sapphire Preferred card, which offers 5 points per dollar on travel booked through Ultimate Rewards, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on other travel purchases, and 1 point per dollar on other purchases. It also offers a $50 annual credit on hotel stays purchased through Ultimate Rewards and up to $10 in Gopuff credit monthly. The Chase Sapphire Preferred earns Ultimate Rewards points, which are best used for travel or cash back or transferred to hotel partners. Both cards have different annual fees ($250 for the Amex Gold and $95 for the Chase Sapphire Preferred), earning rates, and benefits that appeal to different types of travelers.

Does Amex Gold get you into airport lounges?

 

The Amex Gold does not get you into airport lounges by itself. However, if you have the Amex Gold card and enroll in the American Express Global Lounge Collection program (for a fee of $99 per year), you can access over 1,300 airport lounges across 140 countries and counting. These include lounges from Priority Pass Select (excluding non-lounge experiences), Plaza Premium Lounge, Airspace Lounge, Escape Lounges (U.S.), Lufthansa Lounges (when flying Lufthansa Group), Delta Sky Club (when flying Delta), and American Express Centurion Lounges (subject to availability). You can also bring up to two guests with you for an additional fee of $32 per person per visit. Alternatively, if you want complimentary access to airport lounges without paying an annual fee or enrolling in a program, you might want to consider the Amex Platinum card, which offers unlimited access to the same lounges as the Amex Gold card (except Lufthansa Lounges) plus additional lounges from Air Canada Maple Leaf Lounge, Air France Lounges (when flying Air France), Air New Zealand Lounges (when flying Air New Zealand), Airspace Lounge, Delta Sky Club (when flying Delta), Escape Lounges (U.S.), International American Express Lounges, Plaza Premium Lounge, Priority Pass Select (including non-lounge experiences), and Virgin Australia Lounges (when flying Virgin Australia). You can also bring up to two guests with you for free to most lounges. However, the Amex Platinum card has a higher annual fee of $695 and different earning rates and benefits than the Amex Gold card.

Summary

The Amex Gold and the Chase Sapphire Preferred are two of the most popular travel rewards cards in the U.S. They both offer flexible points that can be transferred to various partners or redeemed for different options. However, they have different annual fees, earning rates, and benefits that appeal to different types of travelers.

The Amex Gold has a higher annual fee of $250, but also offers more points on dining and U.S. supermarkets, and up to $240 in Uber and dining credits annually. The Amex Gold earns Membership Rewards points, which are best used for flights or transferred to airline partners.

The Chase Sapphire Preferred has a lower annual fee of $95, but also offers more value for your points when redeeming for cash back or statement credits, and a $50 annual credit on hotel stays purchased through Ultimate Rewards. The Chase Sapphire Preferred earns Ultimate Rewards points, which are best used for travel or cash back or transferred to hotel partners.

The better card for you depends on your spending habits, travel preferences, and redemption goals. The Amex Gold is better suited for the bigger spender on food and flights, while the Chase Sapphire Preferred is better suited for the budget-conscious traveler who values flexibility and value when redeeming points.

If you want to learn more about these cards and compare them with other travel rewards cards, you can visit our website and use our online tools and calculators. You can also read our reviews and guides on how to use your points and miles for the best travel experiences.

We hope this article has helped you decide which card is best for you. Happy travels!

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