Credit Cards » Compare Credit Cards » American Express Gold Card vs Chase Sapphire Reserve
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American Express Gold Card vs Chase Sapphire Reserve

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?
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

Both the American Express® Gold Card and the Chase Sapphire Reserve® Card are designed for those with good or excellent credit. Both cards also carry an annual fee. However, this is reflected in the rewards that are available. These cards are well suited to travelers, with additional rewards for flights, and dining out.

But, there are some key differences between these cards, which we will explore in more detail here to help you make an informed decision about which is the best card for you.

General Comparison

Amex gold

American Express® Gold Card
Chase Sapphire Reserve®
Annual Fee
$550
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 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.

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
22.49%–29.49% variable
Read Review
Read Review

Compare Rewards: Which Card Gives More?

We’ve looked at many aspects of the different cards, but how do they compare when it comes to your spending habits and what rewards you can earn.

Since both of these cards are aimed at travelers, we’ll assume that you travel every month to make our comparison. We’ll also assume that you book any flights and hotels through the credit card portal, where available.

As you can see, both cards are more or less equal – the specific cards you choose is mainly depends on your preferred categories, as well as the way you redeem your points.

Amex gold

Spend Per Category
American Express® Gold Card
Chase Sapphire Reserve
$15,000 – U.S Supermarkets
60,000 points
15,000 points
$5,000 – Restaurants
20,000 points
15,000 points
$4,000 – Hotels
4,000 points
40,000 points
$3,000 – Airline
9,000 points
15,000 points
$4,000 – Gas
4,000 points
4,000 points
Total Points
97,000 points
89,000 points
Estimated Redemption Value
1 point ~ 0.6 – 1.6 cents
1 point ~ 1 – 1.5 cents
Estimated Annual Value
$582 – $1,552
$890 – $1,335

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

Compare Welcome Bonus And Fees

Both cards offer a generous welcome bonus. The American Express Gold Card offers 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. In real terms, this equates to approximately $1,000 in rewards.

However, compared to American Express' six, Chase only gives you three months from account opening. You'll earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. If redeemed by transferring points, they can be worth about $600:

Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates
Chase Sapphire Reserve Airline Transfer Partners - Aer Lingus, Air Canada, British Airways, Emirates (Screenshot from Chase app)

As a starting point, American Express has a far lower annual fee for its Gold Card compared to the Chase Sapphire Reserve. You’ll pay $250 per year compared to $550 with Chase. However, Chase also charges an additional $75 for each extra authorized user. So, if you’re sharing the card with your significant other, the annual fee is even higher.

Neither issuer charges foreign transaction fees, but while Chase charges balance transfer fee of $5 or 5%, while balance transfers are not permitted with the American Express Gold Card. 

Compare The Perks

American Express Gold Card

Amex gold

  • Up to $120 per year in Uber Credit, if you link your Gold Card to your Uber account. 
  • Up to $10 of dining credit at restaurants to each monthly statement when you order from participating partners. 
  • Preferred Seating at sporting and cultural events, subject to availability. 
  • No foreign transaction fees when you use your card abroad.
  • Signature perks at upscale hotels, which are part of the Amex Hotel Collection and you book through American Express Travel.
  • $100 experience credit – receive up to $100 experience credit when you reserve The Hotel Collection through American Express Travel for at least two nights. 
  • Baggage insurance for up to $500 for checked baggage and $1,250 for carry on, if it is lost, stolen, or damaged when you purchase your fare using your card*.
  • Flexible ways to pay: You can choose to pay your bill in full, Pay Over Time to carry a balance with interest, or Plan It to split large purchases into monthly payments and a fixed fee.
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.

Terms apply to American Express benefits and offers.

Chase Sapphire Reserve

  • $300 annual travel credit. You’ll receive up to $300 statement credit for reimbursement on travel purchases charged to your card.
  • Access to Chase Unlimited Rewards where your points are worth more in specific areas. For example, if you use your points for travel, 50,000 points are worth $750.
Chase book a flight
Chase book a flight (Screenshot from Chase app)
  • Pay Yourself Back offers, which allow you to redeem points for current offers with a higher redemption value.
  • Split purchases of $100+ into fixed monthly payments via the My Chase Plan feature with no interest. This service requires a monthly fee.
  • Complimentary access to VIP airport lounge access. There are over 1,000 lounges across 500+ cities around the world.
  • Complimentary Lyft membership with up to 15% off rides and priority pick up. 
  • Travel reimbursement for lost luggage up to $3,000 per passenger and if your carrier travel is delayed for more than 6 hours, up to $500 per ticket.

Compare Redemption Options

American Express aims to make redeeming your card rewards as easy as possible. At any point, you can log into your account and check your points balance. You can also use the membership rewards website to explore all of your reward options.

Generally speaking, each point is worth up to $0.016, but this will depend on your choice of merchandise, gift cards, entertainment options or premium travel.

Once you choose your reward, you have two redemption options:

  • Click on the reward: Once you decide what reward you would like, you can click on it and follow the website instructions to complete the redemption.
  • Call: American Express has a toll free number that you can call and an agent will guide you through the process.
Amex Transfer points to Airline and Hotels - JetBlue, Marriot Bonvoy, Qatar Airways, Singapore Airlines
Amex gold Transfer points (Screenshot taken by our team from American Express app)

Chase has its Ultimate Rewards program that allows you to redeem your card rewards. Each point is worth up to $0.015. You can redeem your points for:

To claim your rewards, you simply need to log into your credit card portal or card app and select the appropriate option. There will be instructions to follow to complete the process.

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.

How to Maximize Cards Benefits?

If you want to make the best use of your Amex Gold Card, there are some tips to help you:

  • Hit the intro spending requirement: You’ll only earn 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. So, make sure you hit this spending figure within this timeframe.
  • Link your Gold Card to your Uber account: You can earn up to $120 per year, or $10 a month in Uber Credit when you link your card to your Uber account.
  • Check the at restaurants Partner list: American Express has a list of participating dining partners and if you make purchases at these venues, you can qualify for up to $10 per month of statement credit.
  • Book fares with your card: If you’re paying for train, bus, or airplane tickets, be sure to use your Gold Card and you’ll get free baggage insurance for up to $1,250 if your bags are lost, stolen, or damaged.
American Express Travel find travel package
(Screenshot from American Express app)

If you want to make the best use of the Chase Sapphire Reserve Card, don't forget the following:

  • Insurance Offerings: There is no need to get separate travel-related insurance as this card offers that protection for you already. Chase Sapphire Reserve is one of the best credit cards for rental car insurance available.

  • Pay for your flights and travel tickets with your card: You can enjoy lost luggage and delay reimbursement if you pay for your tickets with your card. You can also receive statement credit for travel purchases, so this could provide travel reassurance and add up to decent rewards.
  • Make sure you spend : You’ll only get the bonus point introductory offer if you meet this deadline.

Customer Reviews: Which Card Wins?

American Express® Gold Card
Chase Sapphire Reserve®
App Rating (iOS)
4.9
4.8
App Rating (Android)
4.2
4.4
BBB Rating (A-F)
A+
B+
WalletHub
4
3.5
Contect Options
phone/social
phone/social
Availability
24/7
7 AM – 11 PM
Redeem American Express Gold card points for shopping
Redeem American Express Gold card points for shopping (Photo by Thasanee Khaengrit/Shutterstock)

Satisfied customers report that Amex Gold Card has very high reward earning possibilities. With up to 10x points for every dollar you spend, depending on the category, your rewards can quickly add up, particularly if you meet the spending requirement to bag the 60,000 points introductory bonus.

Other reviews also highlight that there are redemption options for a wide variety of partners.

Negative reviews report frustration that while this card is geared towards travel, there are no lounge benefits. While the Chase Sapphire Reserve card offers VIP lounge access, this is not a feature of the Gold Card.

There are also complaints about the high Over Time costs and penalties. While this is promoted as a card benefit, the APR makes Over Time to be impractical.

Chase Sapphire Reserve Card
Chase Sapphire Reserve Card

Satisfied borrowers report that The Chase Sapphire Reserve Card offers a great reward package with plenty of additional benefits. From free memberships and discounts to upgrades, members report that the benefits package certainly negates the $550 membership fee.

Many users report getting upgrades on rental cars and get a great deal of use out of their Priority Pass. Additionally, for frequent travelers, the $300 travel reimbursement is a very attractive bonus.

Negative reviews report that the customer service could be better. There are numerous reviews complaining about long waits on call hold and delays in response to queries or issues. There are also complaints that there is no rate negotiation.

Whether your credit has improved or you’re suffering from financial hardship, the stock reply appears to be that the agent “cannot do anything”.

When You Might Want the Amex Gold Card?

The American Express Gold Card is a flexible option that could be good if:

  • You frequently travel and pay for your fare with your credit card. You’ll enjoy baggage insurance and you can get higher points on your flights. Since the card has no foreign transaction fees, it is a good card to take with you providing you tend to stay in countries where American Express is widely accepted.
  • You like to dine out. You’ll earn 4x points when you pay for restaurant visits with your card, so it is a great choice for foodies. You can also earn up to $10 a month in statement credit if you dine with participating partners.
  • You like to enjoy the finer things in life. The American Express Gold Card package includes signature perks at upscale hotels, preferred seating at sporting and cultural events and other benefits for those who enjoy the finer things in life.
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 Reserve Card is a good choice if:

  • You’re a very frequent traveler. In addition to earning 5x points on flights and 10x points on hotels and car rentals, you can receive up to $300 statement credit for travel purchase reimbursements. You can also access VIP airport lounges in 500+ cities around the world and enjoy reimbursement for lost luggage and carrier delays.
  • You frequently rideshare: With a free Lyft Pink membership for a year and up to 15% off rides, this card offers some great rewards for Lyft users. For a limited time, you can also receive 10x points.
  • Like to Travel in Style: There is access to more than 1,000 VIP airport lounges across the world provided to cardholders. You also get free credits each year for the likes of TSA Precheck or Global Entry.

Bottom Line

Both of these cards offer some great rewards that should compensate for the annual fee. You can strategically plan your purchases to maximize rewards, particularly if you tend to frequently travel. Both cards considered as one of the best cards for travel, including rental car insurance, lounge access and a lot of exclusive perks.

 However, there are some key differences between the cards which will influence who they are best suited for.

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)

FAQ

There is no out and out income requirement outlined by Amex when it comes to applying for the Amex Gold card, so you might not need to show proof of income.

The credit limit will usually be at least $5,000 when you get the Amex Platinum card. The exact limit depends on a number of different factors.

If you travel a lot then this is a great option for you. It offers a lot of great travel-related rewards that can boost your experience when you are on the road.

It is harder to get this card than some of the other Chase credit cards. However, if you have a credit score of at least 720 then you will be in with a good chance of getting approval.

Compare Chase Sapphire Reserve Card

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Comparison

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Is Better?

The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.

Chase Sapphire Reserve vs. Delta SkyMiles Reserve: Comparison

While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.

Marriott Bonvoy Brilliant vs. Chase Sapphire Reserve: How They Compare?

While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.

Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.

Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:

Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits.

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard: Which Card Is Best?

Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.

U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?

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.

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.

Delta SkyMiles Gold Card vs. Amex Gold: Which Card Wins?

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

Capital One Venture vs. Amex Gold Card: How They Compare?

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

Amex Gold Card vs. Capital One Venture X : Which Premium Card Is Best?

The Amex Gold Card focused on everyday spending and general travel rewards, the Delta SkyMiles Reserve Card offer premium airline benefits.

Amex Gold Card vs. Delta SkyMiles Reserve: Side By Side Comparison

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Gold Card focuses on everyday spending rewards, while the Delta SkyMiles Platinum is tailored for frequent Delta travelers.

Amex Gold Card vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Honors Surpass wins at estimated cashback, while the Amex Gold card is the winner for everyday spending and extra benefits.

Amex Gold Card vs. Hilton Honors Surpass: How They Compare?

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.

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

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.