Deciding between the Amex Gold and Chase Sapphire Preferred? The Gold leads on dining and groceries at 4x — but the Preferred's simpler credits and automatic 10% anniversary bonus change the math more than most people expect. Compare both cards with our interactive engine, or upload a CSV of your actual transactions below to see which card wins for your specific spending. The analysis runs privately inside your browser.
Last updated June 2026
cents / pt
cents / pt
Sapphire Preferred
•••• •••• •••• 9999
Estimated Net ROI
$0.00
Annual Points Value
$0
Credits Value
$0
Annual Fee
$0
Organic Credit Checklist
|
Toggle credits you organically use+$0.00
Amex Gold
•••• •••••• •9999
Estimated Net ROI
$0.00
Annual Points Value
$0
Credits Value
$0
Annual Fee
$0
Organic Credit Checklist
|
Toggle credits you organically use+$0.00
Simulate Your Earning Potential
Enter your estimated monthly spending in each category.
Verify with Real Spend
Real spending is irregular and unpredictable. Drag and drop a CSV or JSON file of last year's transactions below. We will calculate which card wins for you completely privately inside your browser.
1 month of transactions required for the analysis to run. At least 6 months recommended for accuracy.
Estimate Only: This sandboxed calculator uses automated keyword matching. To set custom merchant mapping rules, reclassify individual transactions, import multi-year statement logs, and track your whole credit card portfolio, use the Full Credit Card Value Tracker dashboard.
Chase Sapphire Preferred Wins!
This comparison reflects certain assumptions applied to the data you provided. This is not a financial recommendation. The “winner” can change with different spending, redemption values, or transfer rates.
ROI Metric (Actual Transactions)
Chase Sapphire Preferred
American Express Gold
Total Classified Spend
$0.00
$0.00
Points Earned
0 pts
0 pts
Points Cash Valuation
$0.00
$0.00
Statement Credits Used (Auto-Detected)
$0.00
$0.00
Annual Fee Assessed
$0.00
$0.00
Actual Net ROI Value
$0.00
$0.00
Tie Breakers
The math above only covers earning. When the net values are close, consider the benefits each card offers.