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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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	Chase Sapphire Preferred® Credit Card	American Express® Gold Card	Chase Sapphire Reserve® Credit Card
Issuer	Chase	American Express	Chase
Annual fee	$95 annual fee	$325 for the basic card; the first 5 additional cards $0, the 6th and later $35 each	$795 annual fee; $195 for each authorized user
Purchase APR	19.24% – 27.49% variable	See issuer	19.49% – 29.99% variable
Intro APR offer	None listed on the issuer page	None listed on the issuer page	None listed on the issuer page
Balance transfer fee	See issuer	See issuer	See issuer
Foreign transaction fee	None	None	None
Sign-up offer	75,000 points after you spend $5,000 in purchases in the first 3 months from account opening	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	100,000 points after you spend $6,000 in purchases in the first 3 months from account opening
Rewards	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	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	8x points — All purchases through Chase Travel (including The Edit) 4x points — Flights booked direct 4x points — Hotels booked direct 3x points — Dining worldwide 1x point — Everything else
Key benefits	$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	$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	$300 annual travel credit $500 credit for stays with The Edit; $250 credit for select Chase Travel Hotels $300 dining credit Global Entry / TSA PreCheck credit ($120) Airport lounge access (issuer states $850+ in value) Additional credits listed by the issuer include DashPass, Apple subscriptions, DoorDash, StubHub, Lyft and Peloton
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.