American Express Gold Chase Sapphire Reserve for Business
American Express Gold
$325/yr
Chase Sapphire Reserve for Business
$795/yr
Every $1 · two cards
American Express Gold earns more in 2 of 9 categories · Chase Sapphire Reserve for Business in 6
- Dining4×8¢ per $1
up to $50,000/yr
1×2.05¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
1×2.05¢ per $1 - Gas1×2¢ per $11×2.05¢ per $1
- Flights3×6¢ per $18×16.4¢ per $1
via Chase Travel
- Hotels5×10¢ per $1
via amextravel.com
8×16.4¢ per $1via Chase Travel
- Everything else1×2¢ per $11×2.05¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Chase
Sapphire Reserve for Business
- Annual fee
- $795
- Network
- visa
- Welcome value
- $4,000
- Min spend
- $30,000 / 6mo
Top earning rates
- 8×Chase Travel purchases · Ultimate Rewards
- 5×Lyft products and services · Ultimate Rewards
- 4×Flights and hotels booked direct · Ultimate Rewards
- 3×Social media and search engine advertising · Ultimate Rewards
Key benefits
- $1,000 The Edit Hotel Credit · $1000
- $500 The Shops at Chase credit (Spend Tier) · $500
- $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
- Annual Travel Credit · $300
- $250 select Chase Travel hotels credit · $250
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.
Get my personal answer