creditcards.best

Chase Sapphire Reserve® vs American Express® Gold Card

Option A

Chase Sapphire Reserve®

Chase · $795/yr

Option B

American Express® Gold Card

American Express · $325/yr

SpecChase SapphireAmerican Express®
Annual fee$795/yr$325/yr
Welcome bonus100,000 points bonus100,000 points bonus
Base rate1x1x
Top earn rates
  • 8x Travel booked through Chase Travel (flights, hotels, cars)
  • 5x Eligible Lyft rides (through Sept 30, 2027)
  • 4x Flights and hotels booked directly
  • 5x Prepaid hotels booked on AmexTravel.com
  • 4x Restaurants worldwide (incl. takeout & delivery in the U.S.)
  • 4x U.S. supermarkets
Foreign tx feeNoneNone
Statement credits9 credits4 credits
RewardsChase Ultimate RewardsAmerican Express Membership Rewards