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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Sapphire ReserveChase | Amex GoldAmerican Express |
|---|---|---|
| Costs & value | ||
| Annual fee | $795 Verified by source | $325 Verified by source |
| Realized value* | $2,348 | $424 |
| Net / year | +$1,553 | +$99 |
| Value check | Worth knowing | Worth knowing |
| Rewards | points | points |
| Cash advance (ATM) | Either $10 or 5% of each advance, whichever is greater Inferred by source | Either $10 or 5% of each advance, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | Priority Pass · 336enroll PP | — |
| Points & MilesFull breakdown → | ||
| Earn rates | 8× Chase Travel (flights, hotels, rentals) Verified by source 4× Flights booked direct Verified by source 4× Hotels booked direct Verified by source 3× Dining worldwide Verified by source 1× Everything else Verified by source | 4× Restaurants worldwide Verified by source 4× U.S. supermarkets Verified by source 5× Prepaid hotels via Amex Travel Verified by source 3× Flights (Amex Travel or direct) Verified by source 1× Everything else Inferred by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Verified by source | 1¢ per pt Estimated by source |
| Hotel PerksFull breakdown → | ||
| The Edit (Luxury Hotel & Resort Collection) | Included Verified by source | — |
| IHG One Rewards Platinum Elite | Included Verified by source | — |
| World of Hyatt Explorist | Included Verified by source | — |
| IHG One Rewards Diamond Elite | Included Verified by source | — |
| The Hotel Collection | — | Included Inferred by source |
| Hertz Five Star status | — | Included Inferred by source |
| CreditsFull breakdown → | ||
| Credits | 11 credits · $2,348/yr | 4 credits · $424/yr |
| ProtectionsFull breakdown → | ||
| Rental car CDW | Up to $75,000 (primary) Verified by source | Secondary, up to $50,000 Inferred by source |
| Trip delay | Up to $500/traveler Verified by source | Up to $300/covered trip when round-trip delayed more than 12 hours; covers meals and lodging; max 2 claims per 12-month period Verified by source |
| Baggage | Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source | Baggage insurance up to $1,250 carry-on / $500 checked Inferred by source |
| Purchase protection | Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source | Up to $10,000 per covered purchase, $50,000/calendar year; accidental damage and theft for 90 days from purchase Verified by source |
| Extended warranty | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source | Adds up to 1 year to original manufacturer's warranty of 5 years or less; up to $10,000/covered purchase, $50,000/year Verified by source |
| Trip cancellation | Up to $10,000/person, $20,000/trip Verified by source | — |
| Emergency evacuation | Up to $100,000 Inferred by source | — |
| Roadside assistance | $50/incident, up to 4x/year (US & Canada) Inferred by source | — |
| Travel accident | Up to $1,000,000 accidental death and dismemberment while traveling Verified by source | — |
| Return protection | Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source | — |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Verified by source | None Inferred by source |
| Apply & freshness | ||
| Data last verified | Aug 2, 2026 | Jun 17, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Chase Sapphire Reserve comes out ahead: by realized value minus the annual fee, the Chase Sapphire Reserve nets +$1,553/yr and the American Express® Gold Card nets +$99/yr. Which is actually better depends on your spending and which perks you'll use.
The American Express® Gold Card has the lower annual fee ($325 vs $795).
The Chase Sapphire Reserve includes lounge access (Sapphire, Priority Pass, Air Canada); the American Express® Gold Card does not.