American Express Gold Wells Fargo Choice Privileges Select
American Express Gold
$325/yr
Wells Fargo Choice Privileges Select
$95/yr
Every $1 · two cards
American Express Gold earns more in 7 of 9 categories · Wells Fargo Choice Privileges Select in 1
- Dining4×8¢ per $1
up to $50,000/yr
1×0.85¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
5×4.25¢ per $1 - Gas1×2¢ per $15×4.25¢ per $1
- Flights3×6¢ per $11×0.85¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
1×0.85¢ per $1 - Everything else1×2¢ per $11×0.85¢ 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
Wells Fargo
Choice Privileges Select
- Annual fee
- $95
- Network
- visa
- Welcome value
- ~$510
- Min spend
- $3,000 / 3mo
Top earning rates
- 10×Stays at participating Choice Hotels® properties · Choice Privileges
- 10×Choice Privileges point purchases · Choice Privileges
- 5×Purchases at gas stations, grocery stores, home improvement stores and on phone plan services · Choice Privileges
- 1×Other purchases · Choice Privileges
Key benefits
- 30,000-point anniversary bonus · $210
- Trusted Traveler Program credit · $120
- Cellular Telephone Protection · $0
- Mastercard ID Theft Protection · $0
- Mastercard Global Service · $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