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

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

While both of these products act as sister cards to their luxury counterparts, there are many differences between them. In this showdown, we’re walking through a side-by-side comparison of these cards to help you determine which is right for you — or whether both deserve spots in your wallet.

Sapphire Preferred vs. Amex Gold comparison

Here’s a quick overview that compares the key perks on these two cards:

Card Chase Sapphire Preferred Amex Gold
Welcome bonus Earn 75,000 bonus points after you spend $5,000 on purchases within the first three months from account opening. Find out your offer and see if you are eligible for as high as 100,000 Membership Rewards points after spending $6,000 on eligible purchases in your first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Annual fee $95 $325 (see rates and fees)
Earning rates
  • Earn 5 points per dollar spent on travel booked through Chase Travel℠
  • Earn 5 points per dollar spent on Lyft (through Sept. 2027)
  • Earn 5 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 2027, with a limit of 25,000 bonus points)
  • Earn 3 points per dollar spent on dining, select streaming services and online groceries (excludes Target, Walmart and wholesale clubs)
  • Earn 2 points per dollar spent on all other travel
  • Earn 1 point per dollar spent on everything else
  • Earn 4 points per dollar spent on dining at restaurants worldwide (up to $50,000 per calendar year; then 1 point per dollar)
  • Earn 4 points per dollar spent at U.S. supermarkets (up to $25,000 per calendar year; then 1 point per dollar)
  • Earn 3 points per dollar spent on airfare purchased directly from the airline or through amextravel.com
  • Earn 2 points per dollar spent on prepaid hotels and other eligible purchases booked through amextravel.com
  • Earn 1 point per dollar spent on all other purchases
Point valuation (based on TPG’s July 2025 valuations) 2.05 cents apiece 2 cents apiece
Perks
  • $50 annual credit on hotel stays purchased through Chase Travel
  • Cardmember anniversary bonus — earn bonus points equal to 10% of your spending the previous year
  • Complimentary DoorDash DashPass membership (activate by Dec. 31, 2027)
  • Up to $120 per calendar year in Uber Cash (up to $10 each month, for U.S. services; Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method and redeem with any Amex card.)*
  • Up to $120 each calendar year in dining statement credits for purchases at select merchants (up to $10 credit per month)*
  • Up to $100 statement credit per calendar year for purchases at U.S. Resy-affiliated restaurants (up to $50 bi-annually)*
  • Up to $84 statement credit each calendar year for purchases at U.S. Dunkin’ Donuts (up to $7 per month)*
Travel protections
  • Trip cancellation and interruption insurance
  • Primary car rental insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Baggage insurance**
  • Trip delay coverage***
  • Rental car insurance^

*Enrollment is required for these benefits.

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