Credit Cards » Compare Credit Cards » American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?
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American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison:
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

What Is The Amex Gold Card?

The American Express® Gold Card is great for those with good to excellent credit. Although the card has an annual fee, it provides great rewards and perks.

The Amex Gold is also a good choice for those who enjoy traveling, as the benefits package includes additional rewards for travel purchases and travel insurance.

However, if you’re looking to move a card balance to a new card, Amex Gold is not the right choice, as balance transfers are not permitted.

What is the Chase Sapphire Preferred?

The Chase Sapphire Preferred is also a great card for travelers, offering various travel perks and one of the best credit cards for travel.

The annual fee is lower than the Amex Gold, yet you can still earn great rewards. A key difference between the cards is that Chase Sapphire Preferred allows balance transfers.

So, if you want to earn great rewards and move a balance over to your new card, the Chase Sapphire Preferred is worthy of serious consideration.

General Comparison

Amex gold

chase_sapphire_preffered

American Express® Gold Card
Chase Sapphire Preferred® Card
Annual Fee
$95
Rewards
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases. Terms Apply.
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
Purchase APR
21.24% – 29.24% Variable
19.99% – 29.99% Variable
Read Review
Read Review

Compare Rewards: Which Card Gives More?

The Amex gold card is much more relevant when it comes to everyday spending. The high rewards rate on restaurants and U.S. supermarkets makes it best for everyday spending.

On the other hand, the Sapphire Preferred card is best for travelers and those looking for a travel card more than an everyday one. Every purchase via Chase Ultimate rewards can significantly increase your earnings.

Amex gold

chase_sapphire_preffered

Spend Per Category
American Express® Gold Card
Chase Sapphire Preferred® Card
$15,000 – U.S Supermarkets
60,000 points
45,000 points
$5,000 – Restaurants
20,000 points
10,000 points
$4,000 – Hotels
4,000 points
20,000 points
$3,000 – Airline
9,000 points
15,000 points
$4,000 – Gas
4,000 points
4,000 points
Total Points
97,000 points
94,000 points
Estimated Redemption Value
1 point ~ 0.6 – 1.6 cents
1 point ~ 1 – 1.25 cents
Estimated Annual Value
$582 – $1,552
$940 – $1,175

Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more

There are main ways to redeem Amex Gold and Chase Preferred points:

Amex membership redeem rewards options
(Screenshot from American Express app)

Compare Requirements: How Hard Is To Get Them?

The Amex Gold card is available for those with good to excellent credit, while the Chase Sapphire Preferred requires excellent credit. This means that you will need to have a minimum FICO score of at least 670.

Additionally, American Express and Chase will check your income-to-debt ratio, credit utilization, and other factors to determine your eligibility.

If you are interested in either card, you can apply online via the official American Express or Chase website. However, both companies offer pre-approval. So, if you’re unsure if you would qualify, you can complete the pre-approval form on the website without impacting your credit. You can also check your credit score:

Which Card Costs You More?

There are some crucial differences between the fees and charges for these cards. The most obvious difference is the annual fee. While the Chase Sapphire Preferred has a reasonable $95 annual fee, the Amex Gold annual fee is $250.

Both cards have no foreign transaction fees, and while Amex does not allow balance transfers, Chase applies a 3% fee to balance transfers. The rates are determined by your credit profile, but the typical range for both cards is very similar.

Since the day to day charges on the cards are so similar, it is the annual fee that is the deciding factor on which card costs more. Since the Amex Gold has a higher annual fee, it means that it is the more costly card.

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Compare The Perks

Amex Gold
Chase Sapphire Preferred
Uber Credit
Anniversary Statement Credit
Dining Credit
Travel Bonus
Baggage Insurance
Anniversary Bonus
Global Assist Hotline
Trip Cancelation and Interruption Insurance
Car Rental Coverage
Baggage Delay Cover
Signature Perks
Rental Car Coverage
Purchase Protections
DoorDash Perks/Lyft Rides/GoPuff Credit
Emergency and Travel Assistance
American Express Gold Card

Amex gold

  • Get $120 Uber Credit: Connect your Amex Gold Card to your Uber account for a monthly $10 Uber Cash bonus. Use it for Uber rides or UberEats orders, with a maximum yearly value of $120.
  • Enjoy $120 Dining Credit: Elevate your dining with the Amex Gold Card. Get up to $10 in statement credit monthly when dining at places like The Cheesecake Factory, Wine.com, Goldbelly, Shake Shack, and Milk Bar.
  • Score $100 Experience Credit: Book The Hotel Collection through Amex Travel for a getaway of at least two nights and get a $100 experience credit. The value varies based on your chosen property.
  • Amex Entertainment: Dive into exclusive experiences and get presale tickets for concerts, sports, and theater events through the Amex Gold Card Entertainment Access program. Availability varies.
Amex membership Experience unique offers
(Screenshot from American Express app)
  • Travel Easy with Global Entry or TSA PreCheck® Credit: Get up to $100 for Global Entry or up to $85 for TSA PreCheck to breeze through airport security.
  • Luxury Hotel Perks: Enjoy premium stays with the Amex Fine Hotels & Resorts program. Get perks like room upgrades, complimentary nights, and daily breakfast for two at participating hotels.
  • Top-Notch Concierge Service: Access the Amex Gold Card's concierge service for help with travel and dining reservations, though availability may limit its ability to fulfill all requests.

Terms apply to American Express benefits and offers.

Chase Sapphire Preferred® Card

chase_sapphire_preffered

  • Anniversary Statement Credit: You can earn up to $50 per anniversary year in statement credit for hotel stays that you purchased via the Chase Ultimate Rewards portal.
  • Travel Bonus: You can receive 25% more value when you redeem your reward points for travel via the Chase Ultimate Rewards portal.
Sapphire Preferred overview on Chase app
Sapphire Preferred overview on Chase app (Screenshot taken by our team from Chase app)
  • Anniversary Bonus: Chase gives a 10% anniversary bonus on your total purchases from your previous year. This means that if you earned 20,000 points across year one, you would get a 2,000 point bonus in year two.
  • DoorDash Perks: When you register, you can get a one year DoorDash subscription. Your DashPass will offer reduced services fees and $0 delivery fees on orders over $12.
  • Lyft Rides: You’ll earn additional points on Lyft rides for the promotional period, which currently ends March 2025.
  • Instacart+ Subscription: Instacart allows you to have your groceries delivered to your door. When you link your card, you can receive six months of Instacart+ for free, and as an Instacart+ member, you can earn up to $15 in statement credit per quarter until July 2024.
  • GoPuff Credit: You can receive up to $10 in statement credit per month when you order snacks, drinks and household essentials to your doorstep using your card. This promotion is in place until December 2023.
  •  
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Redemption Options

 From elevated travel experiences and exclusive entertainment perks to the flexibility of cash back and statement credits, the American Express Gold Card and Chase Sapphire Preferred bring a wealth of options to cater to your unique preferences.

The Amex gold offers  variety of redemption options via the Amex membership club:

  • Travel Redemptions: Use points to book flights, hotels, or car rentals through the Amex travel portal.

  • Transfer Partners: Transfer points to airline or hotel partners for potentially higher value and flexibility.

  • Statement Credits: Redeem points for statement credits against eligible purchases.

  • Gift Cards: Exchange points for gift cards from a variety of retailers and restaurants.

  • Shopping: Use points to shop for merchandise or services directly through the Membership Rewards portal.

  • Experiences: Redeem points for unique experiences or events.

Amex Transfer points to Airline and Hotels - British Airways, Choice Privileges
(Screenshot from American Express app)

Here are the main options when you want to redeem Chase Sapphire Preferred® Card  points:

  • Travel Portal: Use points to book flights, hotels, and car rentals through the Chase Ultimate Rewards travel portal.

  • Transfer Partners: Transfer points to airline or hotel partners for increased value and flexibility.

  • Cash Back: Redeem points for cash back as a statement credit or direct deposit.

  • Gift Cards: Exchange points for gift cards from a selection of retailers and restaurants.

  • Amazon and Apple Purchases: Use points to make purchases on Amazon or through the Apple Ultimate Rewards Store.

  • Pay Yourself Back: Redeem points for statement credits against eligible purchases in select categories.

Chase book a flight
Chase book a flight (Screenshot from Chase app)

How To Maximize Card Perks?

American Express Gold Card

Amex gold

  • Link Your Uber Account: When you link your Gold card to your Uber account, you can receive up to $10 per month in credit to use for food delivery or rides, up to a maximum of $120 per year.
  • Book all Fares With Your Gold Card: If you’re traveling by bus, train or plane, make sure that you use your Gold card to pay for your fares. This will ensure that you have free baggage insurance should any of your bags be lost, damaged or stolen.
American Express Travel find travel package
(Screenshot from American Express app)
  • Consult the Dining Partner List: If you are in the mood to eat out but don’t have a particular restaurant in mind, be sure to consult the dining partner list. Amex has a list of participating partners and when you make purchases at these restaurants with your card, you can get up to $10 of statement credit per month.

Terms apply to American Express benefits and offers.

Chase Sapphire Preferred® Card

chase_sapphire_preffered

  • Book All Your Travel Via Chase: As we touched on earlier, you’ll get the maximum rewards and maximum redemption rates via the Chase travel portal. So, if you’re planning any travel, be sure to check the flights, fares and hotels on the platform for your chosen dates and destination.
  • Check the Extended Warranty Protection: This coverage is only available for certain eligible products, but if you’re planning a major purchase, it could save you plenty of cash compared to buying an extended warranty from the retailer.
  • Link all Your Subscriptions: Your Sapphire Preferred perks package includes benefits with DoorDash, Lyft, Instacart and GoPuff. So, if you don’t already use these services, sign up as soon as possible. Linking your card with your subscription accounts can offer statement credit and other freebies that will maximize the potential of your new card.

Customer Reviews: Which Card Wins?

American Express® Gold Card
Chase Sapphire Preferred®
App Rating (iOS)
4.9
4.8
App Rating (Android)
4.2
4.4
BBB Rating (A-F)
A+
B+
WalletHub
4
4
Contect Options
phone/social
phone/social
Availability
24/7
7 AM – 11 PM

Generally, the Amex Gold card has a solid reputation as one of the generous Amex cards. Many customers appreciate the possibility of earning very high rewards with everyday spending. With the rising cost of groceries, having this as a top-tier reward category will help to offset the price increases.

Other positive reviews highlight the sheer variety of redemption partners and the generous welcome bonus if you meet the achievable spending requirement.

Amex gold

The Chase Sapphire Preferred card is particularly praised for its traveler benefits and rewards. The card offers some decent travel insurance coverages, and you can earn great rewards using the Chase travel portal. Considering the modest annual fee, the insurance alone should offset the cost even if you’re not a frequent traveler.

However, there are some negative reviews about the standard of customer service from Chase Travel. Since this is a third-party company, consumers often find the experience of trying to resolve an issue quite frustrating.

chase_sapphire_preffered

When You Might Want the Amex Gold Card?

The Amex Gold card may be a good option for you if:

  • You travel regularly. If you’re happy paying for your fare with your Gold card, you can get a higher tier reward on your flights and also benefit from baggage insurance. Additionally, since the card has no foreign transaction fees, you can use it when you’re away from home. If you are willing to pay an annual fee and much better rewards, compare it with the Platinum Card® From American Express.
  • You enjoy dining out: Restaurants and other dining purchases are in the top reward tier, so this card is a great option for foodies. There is also statement credit when you dine with some of the participating partners.
  • You enjoy a finer travel experience: As an Amex Gold cardholder, you can access the signature perks from the Amex Hotel Collection. This provides access to preferred seating, upgrades at upscale hotels and more to take your vacation to the next level.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When the Chase Sapphire Reserve Card Wins?

The Chase Sapphire Preferred card is also a flexible option that may appeal to you if:

  • You are comfortable using the Chase Travel Portal: The Chase Travel Portal will provide the highest tier rewards and the best points redemption values. So, if you are comfortable using the platform, which works like Expedia and other travel portals, you can get the best value from your card. If you are willing to pay an annual fee and much better rewards, compare it with the Reserve Card.
  • You’re a frequent traveler: While the card does not have lounge access, it has various travel perks that frequent travelers are sure to appreciate, particularly since the card has a modest annual fee.
  • You enjoy subscription services: This is a great card option for you if you want to get products and services delivered to your door. From high-tier rewards for certain streaming services to perks from DoorDash, Instacart, and more, you’ll find this card offers some excellent benefits.

Compare The Alternatives

Both cards are definitely considered as one of the best in the niche. However, there are always  recommended alternatives to check out before applying:

amex platinum

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Reserve®
Capital One Venture X Rewards
Annual Fee
$550
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
22.49%–29.49% variable
19.99% – 29.99% (Variable)

Compare Chase Sapphire Preferred

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The Capital One Savor is better for everyday spending, but the Chase Preferred card is the winner when it comes to travel and protections.

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While the Chase Sapphire Preferred is our winner due to its various perks, the Aeroplan card offers high cashback value and airline perks.

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Compare American Express Gold Card

If you're looking for everyday spending rewards, the Amex Gold Card offers more. But for travel rewards benefits, there is a clear winner.

American Express Gold Card vs. American Express Platinum

The Amex Gold Card may be more appealing if you dine out frequently and value premium travel perks than the Apple card.

Apple Card vs. Amex Gold: Which Card Is Best?

While the Amex Gold Card is more expensive than the Blue Cash Preferred, its rewards program and other benefits are more lucrative.

Amex Blue Cash Preferred vs. Amex Gold: Which Card Is Best?

The Autograph is great for travelers who want to stay on budget, while Amex Gold provides premium travel benefits and redemption options.

Wells Fargo Autograph Vs. Amex Gold Card: Which Is Best?

If you're a dedicated Delta traveler, the Delta SkyMiles Gold may be your top pick, while the Amex Gold offers a broader range of benefits.

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While Amex Gold Card offers statements credits and everyday spending benefits, the Venture card is cheaper and include decent travel perks.

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The Venture X offers better travel rewards than the Amex Gold but is less appealing if you're looking for everyday spending rewards.

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Review Travel Credit Cards

  • Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.