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All comparisons
Head-to-head, 2026

American Express Gold Chase Sapphire Reserve

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

Lower annual fee: American Express GoldBigger welcome offer: Chase Sapphire Reserve

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 Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve 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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