Chase Sapphire Preferred vs. Amex Gold: Which mid-tier favorite is right for you?

The Sapphire Preferred is a great way to earn valuable Chase Ultimate Rewards points for a modest annual fee, while the Amex Gold is a favorite for foodies thanks to its bonus rewards on dining and groceries and valuable statement credits.

Limited-time offer on the Chase Sapphire Preferred: Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.

Which is best for your wallet? There are multiple differences between these two popular options, so let's compare them to see which is right for you , or whether both deserve your attention.

Welcome bonusEarn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on eligible purchases in your first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)Annual fee$95$325 (see rates and fees)Earning rates Earn 5 points per dollar spent on travel booked through Chase Travel℠ Earn 5 points per dollar spent on Lyft (through Sept. 30, 2027) Earn 5 points per dollar spent on Peloton equipment and accessory purchases of $150 or more (through Dec. 31, 2027, with a limit of 25,000 bonus points) Earn 3 points per dollar spent on dining, select streaming services, gas, electric vehicle charging, select vacation homes and online groceries (excludes Target, Walmart and wholesale clubs) Earn 2 points per dollar spent on all other travel Earn 1 point per dollar spent on everything else Earn 5 points per dollar spent on prepaid hotels booked on amextravel.com or the Amex Travel App™ Earn 4 points per dollar spent on dining at restaurants worldwide (up to $50,000 per calendar year; then 1 point per dollar spent) Earn 4 points per dollar spent at U.S. supermarkets (up to $25,000 per calendar year; then 1 point per dollar spent) Earn 3 points per dollar spent on flights booked directly with airlines or booked on amextravel.com or the Amex Travel App Earn 2 points per dollar spent on car rentals booked through amextravel.com or the Amex Travel App Earn 2 points per dollar spent on cruises and other eligible travel booked through amextravel.com Earn 1 point per dollar spent on all other purchases Point valuation (based on TPG's July 2026 valuations)2.05 cents2 centsPerks Up to $120 every four years toward Global Entry, TSA PreCheck or Nexus $100 annual credit on hotel stays booked through Chase Travel Complimentary DoorDash DashPass membership (activate by Dec. 31, 2027) No foreign transaction fees Up to $120 per calendar year in Uber Cash (up to $10 each month, for U.S. services; Uber Cash will only be deposited into one Uber account when you add the Amex Gold as a payment method and redeem with any Amex card)* Up to $120 each calendar year in dining statement credits for purchases at select merchants (up to $10 credit per month)* Up to $100 statement credit per calendar year for purchases at U.S. Resy-affiliated restaurants (up to $50 semiannually)* Up to $84 statement credit each calendar year for purchases at U.S. Dunkin' Donuts (up to $7 per month)* No foreign transaction fees (see rates and fees) *Enrollment is required for these benefits.