Strategic Analysis

Amex Gold vs. Chase Sapphire Preferred

Which earns more for the way you actually spend?

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

Sapphire Preferred Point Value: cents / pt

Amex Gold Point Value: cents / pt

Sapphire Preferred

•••• •••• •••• 9999

Estimated Net ROI

$0.00

Annual Points Value

Credits Value

Annual Fee

Organic Credit Checklist

Toggle credits you organically use +$0.00

Amex Gold

•••• •••••• •9999

Estimated Net ROI

$0.00

Annual Points Value

Credits Value

Annual Fee

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.

Select or drop a credit card statement CSV or JSON file

Works with standard transaction CSVs or JSON files exported from the Tracker.

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.

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.

Travel & Purchase Insurance Clear winnerSapphire Preferred

Protection	Sapphire Preferred	Amex Gold
Rental car	Primary, to $60k*	Secondary, to $50k
Trip cancellation	$20,000 / trip	Not covered
Trip delay (12+ hrs)	$500	$300

* Not primary for NY residents with their own auto insurance, or abroad where you can't decline the agency's collision waiver.

Hotel & Rental-Car Status Car-rental statusAmex Gold

Status	Sapphire Preferred	Amex Gold
Hotel	None	None
Rental car	None	Hertz Five Star

Neither card grants hotel status.