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Chase Sapphire Preferred vs Amex Gold Card (2026)
Expert side-by-side comparison to help you choose the right option for your needs.
Chase Sapphire Preferred
4.8The Chase Sapphire Preferred offers an unbeatable combination of travel rewards, flexible redemptions, and premium benefits at a reasonable $95 annual fee. It's our top pick for most people.
Feature Comparison
| Feature | Chase Sapphire Preferred | Amex Gold Card |
|---|---|---|
| Rating | 4.8 | 4.7 |
| APR | 21.49%–28.49% variable | Pay in Full (charge card) |
| Annual Fee | $95 | $250 |
| Rewards Rate | 3x dining, 2x travel, 1x other | 4x dining/groceries, 3x flights, 1x other |
| Sign-up Bonus | 60,000 points ($750 value) | 60,000 points |
| Foreign Transaction Fee | None | None |
Pros & Cons
Chase Sapphire Preferred
Pros
- ✓3x points on dining and online groceries
- ✓1:1 transfer to 14+ airline and hotel partners
- ✓$50 annual hotel credit offsets fee
Cons
- ✗$95 annual fee
- ✗No lounge access
Amex Gold Card
Pros
- ✓4x points at restaurants worldwide
- ✓$120 dining credit + $120 Uber Cash annually
- ✓4x at U.S. supermarkets (up to $25k/yr)
Cons
- ✗$250 annual fee
- ✗Credits require activation and tracking
Our Expert Verdict
Winner
Chase Sapphire Preferred
After rigorous testing, Chase Sapphire Preferred earns our recommendation with a 4.8/5 rating. It excels in 3x points on dining and online groceries and 1:1 transfer to 14+ airline and hotel partners, making it the stronger overall choice for most users. That said, Amex Gold Card remains a compelling alternative if 4x points at restaurants worldwide is your priority.
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