Compare Cards: American Express® Gold Card vs. Citi Strata℠ Card vs. Chase Sapphire Preferred® Card

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Earning Rates	American Express® Gold Card American Express dininggroceriespremiumtransferable Details	Citi Strata℠ Card Citi no-annual-fee Details	Chase Sapphire Preferred® Card Chase travelpremiumtransferabledining Details
First-year value Welcome offer + annual credits − annual fee	+$1,799	+$340	+$1,280
Annual Fee	$325	Waived	$95
Credit Required	Excellent	Good	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	100,000 pts As-high-as offer: earn up to 100,000 Membership Rewards points after spending $8,000 in purchases within the first 6 months. Welcome offers vary and applicant may not be eligible. Spend $8,000 in 6 mo	20,000 pts Earn 20,000 bonus ThankYou Points after spending $1,000 in first 3 months from account opening Spend $1,000 in 3 mo	75,000 pts Earn 75,000 Ultimate Rewards points after spending $5,000 in purchases in the first 3 months from account opening. Updated after the 100,000-point limited-time offer ended; Chase official page showed 75,000 points on 2026-07-30. Spend $5,000 in 3 mo
Network	amex	mastercard	visa
Earning Rates
All Other Purchases	—	2× After $6,000 cap on combined bonus categories, all purchases earn 1x	—
All other travel	—	—	2× Earn 2x points on all other travel worldwide
Dining	4× Restaurants worldwide, up to $50,000 per calendar year, then 1X	4× On first $6,000 per year, then 1x	3× Earn 3x points on dining worldwide, including takeout and eligible delivery services
Flights	3× Flights booked through AmexTravel	—	—
Gas Stations	—	4× On first $6,000 per year, then 1x	—
Gas and EV charging	—	—	3× NEW 3x points on gas and EV charging
Groceries	4× U	—	—
Online grocery purchases	—	—	3× NEW 3x points on online grocery purchases (excluding Walmart, Target, and wholesale clubs)
Other	1×	—	1× Earn 1x points on all other purchases
Prepaid Car Rentals and Cruises	2× Prepaid car rentals through AmexTravel	—	—
Prepaid Hotels	5× Prepaid hotels booked through AmexTravel	—	—
Supermarkets	—	4× On first $6,000 per year, then 1x	—
Top streaming services	—	—	3× NEW 3x points on top streaming services
Travel	—	—	5× Earn 5x points on Chase Travel purchases
Vacation homes	—	—	3× NEW 3x points on vacation homes at top brands like Airbnb and Vrbo
Benefits & Credits	Annual Credits Uber Cash - $10/month ($120/year) on US Uber rides or Uber Eats Dunkin' Credit - Up to $7/month ($84/year) at US Dunkin' locations Dining Credit (Grubhub / Cheesecake Factory / Goldbelly / Wine.com / Five Guys) - Up to $10/month statement credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine Resy Credit - $50/half ($100/year) at US Resy restaurants or eligible Resy purchases Hotel Status Marriott BonvoyGold Elite Hilton HonorsGold Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: FHR program benefits	Other Benefits ThankYou Points Combinations: Points combine with Citi Strata Premier and Citi Strata Elite for full redemption flexibility FICO Score Access: Free access to your FICO score	Annual Credits Chase Travel Hotel Credit - $100/year on hotels booked through Chase Travel portal Lounge Access 0 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per covered trip Auto Rental Collision Damage Waiver: Primary coverage Travel Emergency Services: 24/7 assistance Emergency Evacuation and Transportation: Up to $100,000 in coverage Complimentary Apple TV: One year when activated by December 31, 2026
Insurance	Trip Delay Secondary Purchase Protection Extended Warranty	Secondary Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty