American Express® Gold Card
$325 annual fee
VS
Sapphire Preferred
$95 annual fee
| Category | American Express® Gold Card | Sapphire Preferred |
|---|---|---|
| Annual Fee | $325 | $95 |
| Signup Bonus | 60,000 points | 75,000 points |
| Base Earning Rate | 1.0X | 1.0X |
| Card Network | N/A | N/A |
| Reward Type | points | points |
Winner by Category
Annual Fees
Sapphire Preferred
Lower annual fee ($325 vs $95)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
American Express® Gold Card
6 benefits vs 6
Statement Credits
American Express® Gold Card
$240 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
The Winner: Sapphire Preferred
Sapphire Preferred edges out American Express® Gold Card in our comparison, offering better overall value for most cardholders.
Important: The "best" card depends on your specific spending habits and financial goals. See the detailed comparison above to make the right choice for you.
Rewards Earning: Detailed Comparison
American Express® Gold Card
| Dining | 4.0X |
| U.S. Supermarkets | 4.0X (up to $25,000) |
| Flights | 3.0X |
| Everything Else | 1.0X |
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
Card Benefits: Detailed Comparison
American Express® Gold Card (6 benefits)
- Trip Delay Insurance (up to $500)
- Baggage Insurance Plan
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)