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The Chase Sapphire Preferred® Card and American Express® Gold Card both have large sign-up bonuses and great spending perks. But, between the Chase Sapphire Preferred vs Amex Gold, which of these cards has the better bonus and perks?

80,00 bonus after spending $4,000 in the first 3 months: Chase Sapphire Preferred® Card

60,000 bonus after spending $4,000 in the first 6 months: American Express® Gold Card (Learn more: Johnny Jet Recommended Credit Cards)

Chase Sapphire Preferred vs Amex gold

Chase Sapphire Preferred Card: 2x Points on Dining Worldwide

The Chase Sapphire Preferred bonus earns unlimited 2 points per $1 on all dining purchases. This bonus applies to any U.S. or foreign restaurant. Plus, Chase has added DoorDash DashPass benefits for select Chase credit cards, including the Sapphire Preferred. 

You also earn double points on all travel-related purchases too.

Unlike the American Express Gold, the Chase Sapphire Preferred Card doesn’t offer a dining credit at this time. But, your annual fee is only $95.

Other Chase Sapphire Preferred Perks

Additional Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.

Cardholders also earn 5x points on Lyft rides, through March 2022. Through April 30, 2021, cardholders automatically earn 2x points per $1 spent at grocery stores, up to $1,000 per month.

Plus, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. Points are worth 25% more now through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 25% more when redeemed through the new Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.

80,000 points bonus: Chase Sapphire Preferred® Card

American Express Gold Card: 4x Points, $120 Annual Credit, Uber Perks

The American Express® Gold Card is the rebranded Premier Rewards Gold Card from American Express. Cardholders earn unlimited 4x Membership Rewards® points on dining purchases worldwide, including takeout and deliveries, plus 4x points on Uber Eats purchases.

Cardholders also earn bonus points on these card purchases:

  • 3X Membership Rewards® points on airfare purchased directly from the airline or AmexTravel.com
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 1X Membership Rewards® points on everything else

Learn more: Johnny Jet Recommended Credit Cards

Earn Up To 4x Points on Dining Purchases

The American Express® Gold Card earns unlimited 4x Membership Rewards points on dining worldwide (including delivery and takeout), plus, earn 4x points on Uber Eats purchases, too. Cardholders also earn 4x points at U.S. supermarkets (up to $25,000 annually, then 1x).

For dining purchases, you earn double the points of the Sapphire Preferred. Unless you spend vastly more than $25,000 annually at U.S. supermarkets, the American Express® Gold Card helps you earn more points than the Sapphire Preferred.

The annual fee is $250 and there are no foreign transaction fees (See Rates & Fees).

$120 Dining Credit

The $120 dining credit is brand new to the American Express Gold. Each month, you get a $10 statement credit when you eat at one of these brands (enrollment required):

  • GrubHub
  • Seamless
  • The Cheesecake Factory
  • Ruth’s Chris Steakhouse
  • Boxed
  • Shake Shack (participating locations only)

GrubHub offers the most flexibility because they partner with many restaurants. Plus, you get your meal delivered to your front door. If you can use one of these five dining partners each month, the Amex Gold can be a good deal.

Uber Perks

American Express® Gold Card cardholders can also get up to $120 in Uber Cash annually. Plus, you’ll earn 4x Membership Rewards® points for each Uber Eats purchase on your card. To use this perk, simply add your card to your Uber account and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).

Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum.

This benefit applies only in the U.S. on U.S. orders at eligible restaurants and on eligible restaurant purchases.

Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your enrollment in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.

Learn more: Johnny Jet Recommended Credit Cards

Signup/Welcome Bonuses

New Chase Sapphire Preferred® Card cardholders can earn 80,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1,000 when you redeem through Chase Ultimate Rewards®. Plus, they can earn up to $50 in statement credits towards grocery store purchases within the first year of account opening.

New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months. Also, Rose Gold is back! Cardholders can choose between Gold or Rose Gold. 

Learn more: Johnny Jet Recommended Credit Cards

Redeeming Bonus Points: Chase Sapphire Preferred vs Amex Gold

Being able to earn 4 points or 2 points per $1 is one decision. But you must also decide how you’re going to redeem your points. After all, you must look at the “whole picture” when picking a rewards card.

With both cards, award travel is always is the most valuable option. You can either transfer your points on a 1:1 basis to an airline or hotel partner. Alternatively, you can redeem them on the credit card travel portal. In most cases, the 1:1 transfer values your points at a higher rate. But, the transfer partners are only valuable if you travel with them.

American Express Gold Travel Partners

The American Express® Gold Card earns Membership Rewards points. They are worth 1 cent each when redeemed for air travel on AmexTravel.com and select gift cards. Otherwise, they are worth less than 1 cent for other redemption options. But, transferring your points can easily make them worth more than 1 cent each.

These are the current American Express Credit Cards Membership Rewards travel partners:

  • Aer Lingus
  • Aeromexico
  • Aeroplan
  • Air France
  • Ali Italia
  • ANA
  • Asia Miles
  • British Airways
  • Delta Air Lines
  • El Al Israel Airlines
  • Emirates
  • Etihad
  • Hawaiian Airlines
  • Iberia
  • JetBlue
  • Singapore Airlines
  • Virgin Atlantic
  • Choice Privileges
  • Hilton Honors
  • Marriott Bonvoy

Chase Sapphire Preferred Transfer Partners

The Chase Sapphire Preferred® Card doesn’t have as many transfer partners, but they are just as valuable in their own right.

  • Aer Linus
  • Aeroplan (expected later this year)
  • Emirates
  • Iberia
  • British Airways
  • Air France
  • JetBlue
  • Singapore Airlines
  • United Airlines
  • Virgin Atlantic
  • Southwest
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

In general, your Sapphire Preferred points are worth more than American Express Membership Rewards. This is because they are worth 1 cent each for non-travel rewards. This is also why it is one of the best credit cards for travel miles.

When you redeem them on the Chase travel portal, they’re worth 1.25 cents each. This 25% bonus is for any award travel including hotels, rental cars, airfare, cruises, and guided tours. With the Amex Gold, your points only have a maximum value of 1 cent each for award flights.

Like American Express, your points can be worth more when you transfer them to one of the above Chase Ultimate Rewards travel partners. Specifically, transfer your miles to one of the airline partners. It’s not uncommon for them to be worth at least 2 cents each when you book an award flight.

Who Has Better Dining Credit: Chase Sapphire Preferred vs Amex Gold

Now that we’ve seen how you can earn and redeem your bonus, it’s time to decide which credit card maximizes your dining purchases.

Overall, the American Express® Gold Card has better dining credit because of the $120 dining statement credit and 4x bonus points. But, that doesn’t mean it’s the best option for you.

American Express Gold

Yes, the 4x Membership Rewards® points on dining and U.S. supermarkets are a start. And, maximizing the $120 annual credit helps.

But, if you can’t use Uber Cash or the other bonus categories, it’s hard to justify the overall card. The American Express® Gold Card does a brilliant job of letting you earn bonus points on large, common purchases like supermarkets and dining. But, unless you redeem your points for award flights, it might not be the better option.

Chase Sapphire Preferred

If you don’t benefit greatly from the 1:1 travel partners with either card, the Chase Sapphire Preferred® Card is better.

Your points are worth 25% for any award travel redemption. Plus, your points are always worth 1 cent each for cash or gift card awards.

Summary of the Chase Sapphire Preferred vs Amex Gold

Hopefully, this Chase Sapphire Preferred vs Amex Gold review can help you decide if one of these cards is right for you. You have more earning potential with the American Express® Gold Card. If the Gold card isn’t for you but you still want to earn rewards for dining, go with the Chase Sapphire Preferred® Card instead.

80,00 bonus after spending $4,000 in the first 3 months: Chase Sapphire Preferred® Card

60,000 bonus after spending $4,000 in the first 6 months: American Express® Gold Card (Learn more: Johnny Jet Recommended Credit Cards)

For rates and fees of The American Express® Gold Card, please click here.

Johnny Jet Editorial
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Chase Sapphire Preferred® Card

APPLY NOW
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • 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, 80,000 points are worth $1,000 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.

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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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