Best Cash Value: AMEX Gold vs Chase Sapphire Preferred

Compare the earning rates and benefits of the AMEX Gold Card and the Chase Sapphire Preferred. Calculate the cash value based on spend side by side.

The American Express® Gold Card is one of the top credit cards on the market thanks to its high return per $1 spent on restaurant and U.S. supermarket purchases. The Chase Sapphire Preferred® is a solid option for anyone that dabbles in both restaurant and travel that doesn't run enough spend through the card to make the Chase Sapphire Reserve® worth it.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The American Express Gold Card features four bonus categories which are restaurant, U.S. supermarket, and airfare purchases either directly with the airline or through the AMEX Travel portal. The U.S. supermarket category has a bonus cap of $25,000 per year in spend in which you will earn at the non-category rate after you have hit the cap. There is no cap on the other bonus categories and no limit to the amount of Membership Rewards Points you can earn with the card in general.

The Chase Sapphire Preferred features two bonus categories which are dining and travel purchases. There is no cap on either category and no limit to the amount of Ultimate Rewards Points you can earn running spend through the card. As part of the Chase-Lyft Partnership, the Chase Sapphire Preferred also earns an unlimited 5x on Lyft purchases.

AMEX Gold Card

  • 4x Restaurant
    • Includes takeout and delivery.
  • 4x U.S. Supermarket
    • Note that these purchases are for the U.S. only; International supermarket purchases will earn you the non-category rate.
    • Annual spend cap of $25,000 per year; Earns at non-category rate once cap is hit.
  • 3x Airfare
    • Can be booked direct or through the American Express Travel Portal.
  • 1x Non-Category

Chase Sapphire Preferred

  • 5x Lyft
    • All Chase Ultimate Rewards and cash back credit cards earn on Lyft spend.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 2x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 2x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

Perks & Benefits

The American Express Gold features several two annual benefits which is a $120 Uber Cash credit and $120 Dining Credit.

The Chase Sapphire Preferred card features a 25% boost to the value of points redeemed on the Chase Travel Portal as well as the standard travel and purchase coverage that most Chase credit cards come with.

AMEX Gold Card

  • Annual $120 Dining Credit*
    • Credit is broken up into $10 per month.
    • Credits do not roll over; Use it or lose it.
    • Only applies to the following restaurants:
      • GrubHub
      • Seamless
      • The Cheesecake Factory
      • Ruth's Chris Steak House
      • Shake Shack
      • Boxed
  • Annual $120 Uber Cash*
    • Credit is broken up into $10 per month.
    • Credits do not roll over; Use it or lose it.
    • Can be applied to Uber Eats or Uber rides in the U.S.
  • The Hotel Collection
    • When staying 2+ consecutive nights, you will receive:
      • $100 USD hotel credit towards hotel amenities such as dining, drinks, and spa.
      • Room upgrade at check-in.
  • The Travel Collection by Travel Leaders Group
  • ShopRunner Membership*
  • No Preset Spending Limit (NPSL)
    • No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
  • AMEX Offers*
  • AMEX Entertainment Access
  • Insurance and Purchase Protections

Chase Sapphire Preferred

*Enrollment required.

Transfer Partners

Membership Rewards Points and Ultimate Rewards Points are transferable to frequent flyer programs and hotel loyalty programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred hotel or airlines that you typically do business with. The transfer partners of both programs are listed below.

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
American Express® Gold Card
American Express® Gold Card
Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
0%
Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
2X
2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel.
1X
1X points per dollar spent on all other purchases.
Main Card Highlights
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
CardMatch™
Get Your Pre-qualified Offers
Use CardMatch™ to get matched with offers you're more likely to qualify for based on your credit profile which may include special and/or qualified offers.
Remove the guess work and find out which cards have a chance to offer you the best return based on your monthly or yearly spend across up to 20 different categories.

Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.
Updated 2021-03-02 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU