You’re trying to decide between the Amex Gold and the Chase Sapphire Preferred .

Annual Fees

Amex Gold: $250
Chase Sapphire Preferred: $95

Yeah, Amex Gold is more expensive, but does it justify the extra cost? Let’s dig in.

Points & Rewards

• Amex Gold: 4x points on dining & groceries, 3x on flights
• Chase Sapphire Preferred: 3x points on dining, 2x on travel

If you eat out or buy groceries a lot, Amex Gold wins. If you travel more, Chase Sapphire Preferred might be better.

Final Thoughts

Pick Amex Gold if you love food and groceries. Pick Chase Sapphire Preferred if you travel more and want a lower annual fee.

Either way, you can’t go wrong.