Are you looking out for a new credit card? But can’t decide between the Amex Gold VS Chase Sapphire? Both cards are well-liked options for international fliers and have outstanding benefits. But which is superior? Given that both cards have advantages and disadvantages, answering this question is challenging.
The Amex Gold is well-known for its generous rewards program, which offers 4x points at American supermarkets and restaurants in addition to a $120 meal credit and a $100 credit towards airline fees. The Chase Sapphire, on the other hand, gives a substantial sign-up bonus, a powerful redemption program through the Chase Ultimate Rewards site, and 2x points on dining and travel.
To help you make an informed decision, we’ll take a closer look at the benefits of both cards. We’ll break down the benefits of each card to help you select the one that’s best for you, whether you’re a foodie, a travel enthusiast, or just trying to optimize your spending. Let’s contrast the Amex Gold and Chase Sapphire now!
Amex Gold Card: Potential Benefits and Drawbacks for Users
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Reward Factors
The rewards offered by the Amex Gold Card are among its strongest advantages. Spending at American supermarkets and restaurants earns cardholders four Membership Rewards points for every dollar spent, flights booked straight with airlines or through Amextravel.com earn three points for every dollar spent, and all other transactions earn one point for every dollar spent.
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Yearly Dining Allowance
A $120 dining credit is also included with the Amex Gold Card each year, which may be used at a few particular eateries and delivery services like Grubhub, Seamless, The Cheesecake Factory, and Ruth’s Chris Steak House.
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Credit for Airline Fees
Statement credits of up to $100 are given to cardholders each year to reimburse incidental charges made by a specific airline.
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Travel Safety Measures
The Amex Gold Card also includes several travel insurances, such as trip interruption and cancellations insurance, luggage insurance, and loss and destruction insurance for rental cars.
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Program for Membership Rewards
Flights, the room stays, gift vouchers, and merchandise are just a few of the travel and lifestyle perks that cardholders can get by exchanging their points.
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Exclusive Advantages
The Global Lounge Collection, which includes more than 1,000 airport lounges globally, as well as access to VIP events and presale tickets through the Amex Entertainment program are additional special features of the Amex Gold Card.
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High Yearly Cost
In comparison to other credit cards that offer travel benefits, the Amex Gold Card has a higher annual cost. The card has several benefits, but if you don’t use them all, the annual price might not be justified.
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Points Run Out
For people who don’t travel regularly, the fact that Membership Rewards points earned with the Amex Gold Card expire after a set amount of time if they aren’t used.
Chase Sapphire Card: Potential Benefits and Drawbacks for Users
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Reward Elements
For dining and travel, the Chase Sapphire card delivers two Ultimate Rewards points for every dollar spent, and one point for every dollar spent across all other expenditures. The prizes that can be obtained by exchanging points include items, gift cards, travel, and cash back.
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A Welcome Bonus
After completing a minimum spend limit within the first several months of card membership, new cardholders can receive a sizable sign-up bonus.
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Travel Safety Measures
Many travel insurance options are included with the Chase Sapphire, including trip cancellations and disruption, luggage delay, and travel injury coverage.
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Partners in Transfer
An excellent strategy to optimize the value of your points is to transfer your Ultimate Rewards points at a 1:1 ratio to a range of airline and hotel reward programs.
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Buying Safeguards
Purchase safeguards including price protection, enhanced warranty protection, and purchase protection are also included with the Chase Sapphire.
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Exclusive Perks
Also, cardholders have privy to exclusive advantages like the Chase Sapphire Lounge by The Club, which grants free entrance to a few airport lounges around the world.
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Limits on Redemption
With the Chase Sapphire Card, there can be limitations on how you can use your reward points, such as minimal redemption requirements or a reward’s restricted availability.
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Narrow Acceptance
The Chase Sapphire Card may not be as frequently accepted as other cards with wider networks, such as Visa or MasterCard, even though Chase is a well-known credit card issuer.
Which Card Fits You The Best?
Can you fully utilize the credits on the Amex Gold Card without going over budget? This is essentially the determining factor between Chase Sapphire Card and the Amex Gold Card. If eating and travel are your only priorities then the Amex Gold Card is your card! Otherwise, choose the Chase Sapphire Card.