Chase Sapphire Preferred vs. Amex Gold: The Mid-Tier Card Showdown That Could Unlock Hidden Rewards You’re Missing Out On

Still, the Amex Gold may shine brighter when it comes to its earning structure:

• 4 points per dollar spent on dining at restaurants worldwide (up to $50,000 each calendar year, then 1 point per dollar)
• 4 points per dollar spent at U.S. supermarkets (up to $25,000 per calendar year; then 1 point per dollar)
• 3 points per dollar spent on airfare purchased directly from the airline or through amextravel.com
• 2 points per dollar spent on prepaid hotels and other eligible purchases booked through amextravel.com
• 1 point per dollar spent on other eligible purchases

Despite the spending cap, earning 4 points per dollar at restaurants worldwide and U.S. supermarkets is an 8% return on both purchases, according to TPG’s July 2025 valuations. That makes it one of the best cards for dining at restaurants worldwide and grocery shopping within the U.S.

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