American Express® Gold Card vs Sapphire Reserve Business
American Express® Gold Card
$325/yr
7.5/10
VS
Sapphire Reserve Business
$795/yr
5.5/10
Quick Answer
American Express® Gold Card charges $325/yr with 1X base rewards. Sapphire Reserve Business charges $795/yr with 1X base rewards. American Express® Gold Card offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
American Express® Gold Card
Lower annual fee ($325 vs $795)
Rewards Earning
Sapphire Reserve Business
5 earning categories
Benefits & Protection
American Express® Gold Card
6 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
American Express® Gold Card
Transferable points to airline/hotel partners
OUR PICK
American Express® Gold Card wins for most people
The $470 fee difference is hard to justify unless you maximize premium benefits.
Apply for American Express® Gold CardPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards 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 Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| 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 Reserve Business (0 benefits)
See full review for benefits details.