Question 1

Which is better, American Express Gold or Chase United Explorer?

Accepted Answer

The Chase United Explorer is better with $230 net annual value compared to the American Express Gold at $99. The Chase United Explorer wins by $131/year.

Question 2

What's the difference between American Express Gold and Chase United Explorer?

Accepted Answer

The key differences: American Express Gold has a $325 annual fee and $424 in annual benefits, while Chase United Explorer has a $150 annual fee and $380 in annual benefits. The annual fee difference is $175.

Question 3

Which has a lower annual fee, American Express Gold or Chase United Explorer?

Accepted Answer

The Chase United Explorer has a lower annual fee at $150 compared to the American Express Gold at $325. However, the American Express Gold offers $424 in total annual benefits.

Question 4

Is the Chase United Explorer worth it compared to the American Express Gold?

Accepted Answer

Yes, the Chase United Explorer offers better value with $230 net annual value compared to $99 for the American Express Gold. It also has a lower annual fee.

Question 5

Amex vs Chase: which issuer is better?

Accepted Answer

For these specific cards, Chase's Chase United Explorer offers better value with $230 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for food_and_dining?

Accepted Answer

The American Express Gold is better for food_and_dining with $424 in annual food_and_dining benefits compared to $120 for the Chase United Explorer.

Question 7

Should I get the Chase United Explorer?

Accepted Answer

If you're deciding between the American Express Gold and Chase United Explorer, the Chase United Explorer is the better choice with $230 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.

CATEGORY	GOLD	UNITED EXPLORER
🍽️Food & Dining	$424	$120
🌎Travel	—	$200
🚗Transportation	$120	$60
✨Lifestyle	$120	—
Total credits	$424	$380
Annual fee	$325	$150
Net value	+$99	+$230

American Express Gold or Chase United Explorer?

Where to use each card

Frequently asked questions