Amex Gold vs Chase Sapphire Reserve [Which Card Is Better?]

Many people consider the American Express® Gold Card to be a mid level credit card option. While the Chase Sapphire Reserve® can be regarded as one of the top premium credit cards available. While both of these cards may seem like they are completely different, they are worth comparing because of what they have to offer. And that’s what we are going to do in this head to head competition between the Amex Gold vs Chase Sapphire Reserve.

Casavvy is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content on this page is accurate as of the date of posting. Some offers may have changed or expired.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

amex gold vs chase sapphire reserve

 

Amex Gold vs Chase Sapphire Reserve Breakdown

 

If you are looking for a well rounded credit card with plenty of perks to match, then the American Express Gold Card is a great option. With the ability to earn bonus points in certain spend categories, along with perks that can include statement credits for certain purchases, you are bound to find value in what it has to offer.

 

And it certainly has enough value that can more than cover the annual fee that it comes with.

But if you are a frequent traveler then the Chase Sapphire Reserve has exactly what you are looking for. From access to airport lounges, to annual travel credits, and plenty of rewards on all of the travel purchases you make, you can be sure to make up for the annual fee that comes with it.

 

Along with the ability to earn of one the highest rewards values in the industry when you use your rewards for travel purchases through the Chase Ultimate Rewards Portal.

 

So let’s go ahead and breakdown both of these cards and see which one comes out on top.

 

 

American Express Gold Card

 

Let’s start out with the fact that this credit card comes in two different color options. You have the traditional gold, or you can select rose gold if you want to stand out a little more. The Amex Gold Card has bonus rewards categories geared towards dining out, select U.S. supermarkets, and travel purchases.

 

This is where you can earn a great rewards rate compared to other cards at this level. On top of that you can take advantage of statement credits for other select purchases you make as well. It comes with a nice welcome offer and for this competition we can say that it has a lower annual fee than its competitor.

 

Key Features

  • Great welcome offer
  • Bonus categories that favor dining, select U.S. supermarkets, and travel purchases
  • Statement credit for certain services you use your card to pay with
  • Industry standard base level rewards on everything else you buy
  • No foreign transaction fees
  • Choose standard gold or rose gold color
  • Annual fee
  • And more

Want to go one step up from the American Express Gold Card, check out the Platinum Card® from American Express through our Best Travel Credit Cards Page.

 

Chase Sapphire Reserve

If it is travel rewards you are looking for than Chase Sapphire Reserve card has you covered. You earn an awesome rewards rate when you make travel purchases through the Chase Ultimate Rewards® portal. This is also where you can redeem the points you earn to maximize their value.

 

After that you can take advantage of the annual travel credit that comes with a ton of value. You get access to airport lounges along with a credit for TSA Precheck or Global Entry. It does come with a pretty hefty annual fee, but if you take advantage of everything that this card has to offer then you can more than make up for it.

 

Key Features

  • Awesome signup bonus offer
  • Earn well above industry standard rewards on travel purchases made through the Chase Ultimate Rewards Portal
  • Huge increase in points value when redeemed through the Chase Rewards Portal
  • Annual travel credit
  • Airport Lounge
  • TSA Precheck/Global Entry credit
  • No foreign transaction fees
  • High Annual Fee
  • And more

Also check out the younger sibling to the Sapphire Reserve, the Chase Sapphire Preferred® Card through our Best Travel Credit Cards Page.

 

 

Statement Credits

 

If it is statement credits that you are looking for then both of these cards have you covered. Although one does better than the other.

 

The Amex Gold Card offers statement credits for things like dining, take out, and ride sharing. Although these care credits for select merchants and not a blanket statement credit that can be used anywhere. Still plenty of value to be added and to also offset the annual fee that comes with it.

 

The Chase Sapphire Reserve also has statement credits but it takes it a step further. To start out you get a statement credit for TSA Precheck or Global Entry. Something that can come in quite handy, especially if you find yourself going through airport security often.

 

After that you get an annual travel credit that can be used for any travel expenses that you have. Each year, on your account anniversary you will have your annual travel credit reset and it will be used up whenever you make a travel purchase until it is gone.

 

A great value, especially for frequent travelers. It is also something that will help offset the high annual fee that comes with the Chase Sapphire Reserve as well.

 

So depending on what you value most will determine which card wins in the statement credits matchup with the Amex Gold vs Chase Sapphire Reserve.

 

 

Bonus Points

 

You wouldn’t be researching both of these credit cards if you were not interested in bonus points. And both of these cards have you covered.

 

The Amex Gold offers great bonus point opportunities for purchases made on dining, take out, and select U.S. supermarkets. After that you can also enjoy bonus points by booking certain travel plans through Amex Travel or directly with airlines.

 

And by having such a wide range of bonus point categories you can be sure that most of your purchases will be able to maximize the money that you spend.

 

The Chase Sapphire Reserve offers plenty of opportunities for bonus points as well. You get a huge bump in points earning potential when you book travel through the Chase Ultimate Rewards portal.

 

After that you can also enjoy bonus points on general travel purchases made anywhere else. Along with dining purchases as well. And since your points are worth significantly more when you redeem them through the Chase Ultimate rewards portal you will be sure to find huge value in these bonus points categories.

 

We have to give the slight edge to the Chase Sapphire Reserve in the bonus points section. Mainly because the points you earn become more valuable when you redeem them through the Chase Ultimate rewards portal. Both cards offer a wide variety of ways to earn bonus points, which is nice.

 

But the increased value from the Chase Sapphire Reserve is what pushes it to the top.

 

 

Amex Gold vs Chase Sapphire Reserve Reward Redemption

 

Both of these cards have a wide variety of redemption options. From statement credits, to merchandise, to gift cards they have you covered. But where they both shine is when you redeem your rewards for travel purchases.

 

With the Chase Sapphire Reserve card you get a huge bump in your points value when you use them to book travel through the Chase Ultimate Rewards Portal. The Amex Gold Card does not offer an increase points value but you can still use your membership rewards points through Amex’s own version of their travel portal. Where you can find great deals as well.

 

If you are not into traveling that often and you want more flexibility than the American Express Gold Card is a great option as far as rewards redemption. But if you are a travel buff and want to maximize the rewards you earn for those kind of purchases, then the Chase Sapphire Reserve card is the way to go.

 

Winner

 

When it comes down to crowning a clear winner in the competition between the Amex Gold vs Chase Sapphire Reserve it is really up to who is going to be using it and how they can maximize its value. If you want awesome reward earning capabilities on food and travel category purchases then the Amex Gold card is a great option.

 

Not to mention it does come with a pretty good welcome bonus offer and you can choose two different card designs as well.

 

If you are a travel enthusiast and you want to take advantage of one of the best travel credit cards available today, then the Chase Sapphire Reserve is certainly a great option. It offers one of the best rewards points value in the market when used through the Chase Ultimate Rewards portal.

 

You also get an annual travel credit thats a no brainer to take advantage of. Add that to airport lounge access and a sweet signup bonus offer and you are good to go.

 

So go ahead and absorb all of the options that you have just read about with both of these cards. You should be able to come to a quick decision about which one will be better for you and offer the most value for what you want.

 

After all, that is what you want to get out of a rewards credit card anyways. Maximum value in return for the money you spend with it.

 

Where Both Of These Card Can Improve

 

Each of these cards come from well respected credit card companies that each have a huge portfolio of options to choose from. Therefore it makes sense that they don’t want to include each and every option they have on all of their cards.

 

With the Amex Gold it would be nice to see a couple more include perks and credits with the slightly elevated annual fee that it comes with. Also if you want to use your rewards for travel it would be nice to see a little increase in their value since you have to go through the American Express travel site to use them.

 

The Chase Sapphire Reserve comes with huge travel value. While you are not limited to using their travel portal to claim you rewards it is def worth it because of the increase value that you get when you do. But with its high annual fee we would like to see some more benefits to be included.

 

These can come through certain statement credits and other travel perks such as instant status with certain hotel or airline companies.

 

Amex Gold vs Chase Sapphire Reserve Summary

 

If you are looking for a great option from a well established credit card issuer then you would be hard to find two better options than Chase and American Express. With that being said the American Express Gold Card and the Chase Sapphire Reserve are some of the best cards that these companies offer. Not a bad competition when you compare two of the best cards from two of the top credit card companies.

 

Whether it is annual credits, travel rewards, dining out perks, etc you can find exactly what you are looking for between both of these cards. While they both come with a decent annual fee you can find enough value in both of them to more than make up for it. They each have a great rewards program so everything that you earn can get you much more than you bargained for in return.

 

Also between the Case Ultimate Rewards Portal and the Amex Travel site you will be able to find great travel deals to make you next vacation that much better as well. We also forgot to mention that both of these cards offer the option to transfer the rewards that you earn to certain travel partners as well.

 

Something you may want to consider because you can sometimes find great deals by booking travel this way as well.

 

All in all both of these cards have a lot to offer and can more than hold their own in the battle between them. Which ever card you choose is completely up to you, but we can be sure that you won’t be disappointed with either one.

 

Just take a quick moment and think about where you do most of your spending and where you will find the most value in the rewards that you earn. If it is travel that you are after then the Chase Sapphire Reserve card is an excellent choice. If you want more flexibility and enjoy dining out then the Amex Gold Card is certainly a great option that you can find maximum value in.

 

In the head to head competition between the Amex Gold Card vs Chase Sapphire Reserve you can find a clear winner for yourself and go ahead and start earning the rewards that you deserve.

 

Other Credit Card Competition Must Reads

Capital One Venture X vs Venture

Capital One SavorOne vs Quicksilver

Amex Gold vs Blue Cash Preferred