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Choose up to three cards to see fees, APRs, offers and rewards side by side. Every figure comes from the issuer’s own page and is dated.

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	American Express® Gold Card	Chase Sapphire Preferred® Credit Card	Savor Rewards from Capital One
Issuer	American Express	Chase	Capital One
Annual fee	$325 for the basic card; the first 5 additional cards $0, the 6th and later $35 each	$95 annual fee	$0 annual fee
Purchase APR	See issuer	19.24% – 27.49% variable	18.49% – 28.49% variable (after intro period)
Intro APR offer	None listed on the issuer page	None listed on the issuer page	0% intro APR for 12 months on purchases and balance transfers
Balance transfer fee	See issuer	See issuer	Balance transfer fee applies – see issuer pricing and terms
Foreign transaction fee	None	None	None
Sign-up offer	Amex advertises a welcome offer of “as high as” 100,000 Membership Rewards points after $8,000 in purchases in the first 6 months; offers vary and you may not be eligible	75,000 points after you spend $5,000 in purchases in the first 3 months from account opening	$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Rewards	4X points — Restaurants worldwide (up to $50K per calendar year) 4X points — U.S. supermarkets (up to $25K per calendar year) 5X points — Prepaid hotels via AmexTravel.com or Amex Travel app 3X points — Flights via AmexTravel.com/app or directly with airlines 2X points — Prepaid car rentals via Amex Travel, and cruises 1X point — Everything else	5x points — Chase Travel 3x points — Dining 3x points — Gas stations, EV charging and vacation homes at top brands 3x points — Top streaming services and online grocery 2x points — All other travel 1x point — Everything else	5% cash back — Hotels, vacation rentals and rental cars via Capital One Travel 3% cash back — Dining, groceries, entertainment and streaming 1% cash back — All other purchases
Key benefits	$120 Dining Credit ($10 monthly at select restaurants) $120 Uber Cash ($10 monthly) $100 Resy credit (up to $50 Jan–Jun and $50 Jul–Dec) $84 Dunkin’ credit ($7 monthly) Enrollment is required for some credits; see issuer terms	$100 Chase Travel hotel credit each year Global Entry, TSA PreCheck or NEXUS application-fee credit (up to $120 every four years) 12 months of complimentary DashPass and Apple TV (values stated by issuer) Trip cancellation/interruption insurance up to $10,000 per traveler; auto rental coverage up to $60,000	Rewards do not expire for the life of the account Redeem cash back for any amount
Checked	September 30, 2026 Issuer page	September 30, 2026 Issuer page	September 30, 2026 Issuer page

Data is read from each issuer’s page on the date shown; offers change often and the issuer’s terms control. “See issuer” means the figure was not shown on the page we read. Cards are shown in the order you chose, not ranked.