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Credit Card Coups
COMPARE/AMEX BUSINESS GOLD VS SAPPHIRE PREFERRED
FIRST CARD
SECOND CARD

American Express Business Gold or Chase Sapphire Preferred?

American Express Business Gold returns $470 over its fee and Chase Sapphire Preferred returns $455, so the fee difference comes down to which categories you use.

American Express Business Gold
American Express Business GoldAmerican Express · $375 fee · 4 credits
Chase Sapphire Preferred
Chase Sapphire PreferredChase · $95 fee · 5 credits
NET VALUE+$470$845 credits
NET VALUE+$455$550 credits
BEST NET VALUE
American Express Business Gold
AMERICAN EXPRESSAmerican Express Business Gold
FEE$375
CREDITS$845
NET+$470
Category wins2 of 5
Chase Sapphire Preferred
CHASEChase Sapphire Preferred
FEE$95
CREDITS$550
NET+$455
Category wins2 of 5
TAKE THE AMEX BUSINESS GOLD IF

You use business, lifestyle. Business and Lifestyle alone are worth $845 here and nothing on the Sapphire Preferred.

TAKE THE SAPPHIRE PREFERRED IF

You use entertainment & media, travel. Entertainment & Media and Travel alone are worth $280 here and nothing on the Amex Business Gold.

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Frequently asked questions

Which is better, American Express Business Gold or Chase Sapphire Preferred?

The American Express Business Gold is better with $470 net annual value compared to the Chase Sapphire Preferred at $455. The American Express Business Gold wins by $16/year.

What's the difference between American Express Business Gold and Chase Sapphire Preferred?

The key differences: American Express Business Gold has a $375 annual fee and $845 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $550 in annual benefits. The annual fee difference is $280.

Which has a lower annual fee, American Express Business Gold or Chase Sapphire Preferred?

The Chase Sapphire Preferred has a lower annual fee at $95 compared to the American Express Business Gold at $375. However, the American Express Business Gold offers $845 in total annual benefits.

Is the American Express Business Gold worth it compared to the Chase Sapphire Preferred?

Yes, the American Express Business Gold offers better value with $470 net annual value compared to $455 for the Chase Sapphire Preferred. Even though it has a higher annual fee ($375 vs $95), the American Express Business Gold provides more total benefits.

Amex vs Chase: which issuer is better?

For these specific cards, Amex's American Express Business Gold offers better value with $470 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for business?

The American Express Business Gold is better for business with $690 in annual business benefits compared to $0 for the Chase Sapphire Preferred.

Should I get the American Express Business Gold?

If you're deciding between the American Express Business Gold and Chase Sapphire Preferred, the American Express Business Gold is the better choice with $470 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

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