{ "media_type": "text", "post_content": "HELP!!!!!\nI can't pick between Amex Gold and Chase Sapphire Preferred.\nLeaning towards Amex as it has 4x on groceries and dining.", "post_id": "60dd340fee6dec00247396dd", "reply_count": 9, "vote_count": 4, "bowl_id": "5e6fe1c31f5e51001d267e46", "bowl_name": "Coronavirus Work-life" }

HELP!!!!! I can't pick between Amex Gold and Chase Sapphire Preferred. Leaning towards Amex as it has 4x on groceries and dining.

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I recently got the CSP since I’m all-in on the Ultimate Rewards points. They recently changed the $0/yr Freedom Unlimited card to get 3% back on dining. Kinda makes the 2% on the CSP feel a little cheap. It’s really only useful for the 2% travel and being able to transfer UR points earned on other cards to Chase’s transfer partners. Amex Gold costs 2.5 more than the CSP per year though, so make sure that you’re getting your money’s worth with your grocery and dining spend.

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I have both and am well versed in the points game. Amex gold is my favorite mid tier card. I spend most of my money on food, whether it be groceries or dining out. Points rack up quick. Annual fee is almost completely offset if you spend money on grubhub and Uber as well. While both cards have the highest sign up bonus they’ve ever had, the sapphire preferred sign up is incredible for that annual fee. Therefore, I’d recommend getting the sapphire preferred (even if just for sign up bonus), and then consider the Amex gold afterward. Just don’t cancel before the first year is up. Note that you can only get Sapphire cards once every 48 months. For Amex gold, you can only get sign up bonus once in lifetime. I’d be happy to refer you to either card, let me know!!

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Two completely different cards in my opinion. What is your end goal with these cards ? To just break even with the annual fee and use the points for statement credits or to utilize travel partners? Highly recommend reading the Reddit forum “credit cards”. That info should give you your answer.

Not everywhere takes AMEX, so I’d probably stick with Chase Sapphire Preferred (which I have - I don’t know how it compares to AMEX Gold)

Costco no longer takes Amex. But if you know where you shop a lot and what cards they take or have multiple cards, it really isn’t a problem. If I only had one credit card, I’d go with Chase Sapphire

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That Sapphire preferred sign up bonus is incredible right now. You should 100% do that

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