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All comparisons
Head-to-head, 2026

American Express Business Gold Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire Preferred

American Express

Business Gold

Annual fee
$375
Network
amex
Welcome value
—
Min spend
$15,000 / 3mo

Top earning rates

  • 4×Purchases at U.S. media providers for advertising in select media (online, TV, radio) · Membership Rewards
  • 3×Flights & Pre-Paid Hotels · Membership Rewards
  • 3×The Hotel Collection · Membership Rewards
  • 1×All Other Eligible Purchases · Membership Rewards

Key benefits

  • $300 ChatGPT Business Credit · $300
  • $150 Squarespace Credit · $150
  • $240 Flexible Business Credit · $20
  • $155 Walmart+ Credit · $13
  • Car Rental Loss and Damage Insurance · $0
Full American Express Business Gold review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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