American Express Gold Chase Southwest Rapid Rewards Premier Business
American Express Gold
$325/yr
Chase Southwest Rapid Rewards Premier Business
$149/yr
Every $1 · two cards
American Express Gold earns more in 7 of 9 categories · Chase Southwest Rapid Rewards Premier Business in 1
- Dining4×8¢ per $1
up to $50,000/yr
2×2.5¢ per $1up to $8,000/yr
- Groceries4×8¢ per $1
up to $25,000/yr
1×1.25¢ per $1 - Gas1×2¢ per $12×2.5¢ per $1
up to $8,000/yr
- Flights3×6¢ per $11×1.25¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
1×1.25¢ per $1 - Everything else1×2¢ per $11×1.25¢ 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
Southwest Rapid Rewards Premier Business
- Annual fee
- $149
- Network
- visa
- Welcome value
- ~$750
- Min spend
- $3,000 / 3mo
Top earning rates
- 3×Southwest Airlines® purchases · Rapid Rewards
- 2×Gas stations and restaurants · Rapid Rewards
- 1×All other purchases · Rapid Rewards
Key benefits
- Free first checked bag · $90
- 25% back on inflight purchases · $0
- 2,000 A-List tier qualifying points per $5,000 (Spend Tier) · $0
- 6,000 bonus points each account anniversary year · $0
- Preferred seat selection within 48 hours · $0
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