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All comparisons
Head-to-head, 2026

American Express 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 PreferredBigger welcome offer: American Express Gold

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 4×dining · Membership Rewards
  • 4×grocery · Membership Rewards
  • 3×flights · Membership Rewards
  • 2×travel · Membership Rewards

Key benefits

  • $100 The Hotel Collection Credit · $100
  • Car Rental Loss and Damage Insurance · $75
  • $100 Resy Credit · $50
  • Baggage Insurance Plan · $50
  • No Foreign Transaction Fees · $35
Full American Express Gold review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
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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