Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Chase Sapphire Preferred leads by 13.5 pts. Scores: Amex Green 59.9%, Chase Sapphire Preferred 73.4%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Green nets $198/yr, Chase Sapphire Preferred nets $233/yr after annual fees. Use your own numbers →
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Annual fee $150 (CFPB TCCP; issuer page did not render a clear fee)APR 19.49%–29.24% variableRewards 1% base; 3% dining; 3% travel; 3% transitCredit 720+ (CFPB TCCP targeted tiers)
⚠ $150 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 29.24% if you carry a balance · Penalty APR Prime + 26.74% (variable)
⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Amex Green or Chase Sapphire Preferred?
On VaultRubric's rubric: Chase Sapphire Preferred scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.