Amex Gold Card (9.4/10) wins for most people. Chase Sapphire Preferred wins for a specific profile.
Entry-level premium travel card for $300+/month dining. Best first rewards card. 3x dining + $95 fee = correct math for most people.
Apply now →Heavy food spenders — $400+/month dining + groceries. Highest annual value card for food spend. Fee is offset by $340+ in credits.
Apply now →| Chase Sapphire Preferred | Amex Gold Card | |
|---|---|---|
| Claire's score | 8.7/10 | 9.4/10 |
| Price | — | — |
| Top strength | 3x points on dining | 4x at restaurants worldwide |
| Biggest drawback | $95 annual fee | $325 annual fee (requires using credits) |
Amex Gold Card is Claire's recommendation for most people reading this comparison. Score: 9.4/10. Highest annual value card for food spend. Fee is offset by $340+ in credits.
Chase Sapphire Preferred (8.7/10) is the right choice for a specific situation: entry-level premium travel card for $300+/month dining. If that describes you, the full review has the complete math.
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