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Amex Gold vs Chase Sapphire Preferred (2026)

Amex Gold vs Chase Sapphire Preferred (2026): annual fee, rewards, intro APR, regular APR, foreign fees and CFPB record from official issuer pages, as of 2026-10-11. Not credit advice.

Not credit advice. Rates, fees and offers change often; every value shows its as-of date (2026-10-11) and links to the issuer's page. Verify on the issuer's site before applying. Approval depends on your credit. Unlisted beta.

Verdict

VaultRubric pick: Chase Sapphire Preferred (margin 12.0 pts, default equal weights). Cards under 75% data coverage get a limited data badge and can't be the pick; cards missing annual fee or regular APR can't be the pick.

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Ranking

#	Card	Score	Annual fee	Rewards	Sign-up bonus	Intro 0% APR	Regular APR	Foreign fee	Credit needed
1	Chase Sapphire Preferred Chase · travel	73.4% coverage 100%	$95	5x Chase Travel; 3x dining, gas/EV, streaming & online groceries; 2x other travel; 1x other	≈$750 75,000 points after $5,000 in 3 months	none No intro APR offer shown	19.49%–27.74% variable	none	not found
2	Amex Gold American Express · travel	61.4% coverage 86%	$325	4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flights	not found Personalized welcome offer: 'as high as 100,000' Membership Rewards points after $8,000 spend in 6 months; amount not guaranteed, so unknown (not scored)	none Charge card with Pay Over Time; no intro APR offer	19.74%–28.74% variable (Pay Over Time feature)	none Foreign Transaction: None	not found

Scoring rubric (equal weights by default)

Annual fee: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (statement credits/perks not counted)
Rewards rate: base rate/2%×7 + min(top category,6%)/6%×3; points & miles valued at 1¢
Sign-up bonus: ≈ dollar value/$75, max 10
Intro 0% APR: months/21×10
Regular APR: (34 − midpoint of range)/1.4
Foreign transaction fee: none=10, charged=3
Regulatory record: issuer-level CFPB enforcement in last 5 years: base 10, −2 consent order/redress/≥$25M, −1 smaller, 0 dismissed

Regulatory record (CFPB, issuer level)

American Express: No CFPB enforcement action found in the last 5 years in our search
Chase: No CFPB enforcement action against JPMorgan Chase found in the last 5 years (CFPB enforcement database lists a 2017 action)

The math

Chase Sapphire Preferred: 0.143×8.0 + 0.143×6.0 + 0.143×10 + 0.143×0.0 + 0.143×7.4 + 0.143×10.0 + 0.143×10.0 = 7.35 → 73.4%
Amex Gold: 0.143×5.0 + 0.143×6.0 + 0.143×5.0* + 0.143×0.0 + 0.143×7.0 + 0.143×10.0 + 0.143×10.0 = 6.14 → 61.4% (* unknown, imputed)