American Express Gold Card vs. Chase Sapphire Reserve and Chase Sapphire Preferred

Word on the street is that the “ new Amex Gold Card is the CSR killer.” The Amex Gold card earns 4X at US Restaurants and US Supermarkets (up to $25,000/year), which is competitive to the 3X spending multiplier on dining from the Chase Sapphire Reserve.

We created a calculator to get to the bottom of this. Should you get the new Amex Gold or a Chase Sapphire card?

Amex Gold Card vs. Chase Sapphire Cards

Ask Sebby crunches the numbers for you to calculate the Expected Value of the Amex Gold Card and the Chase Sapphire cards. For the expected value of points, we calculate the approximate dollar value based on the numbers you enter in the calculator.

How to use the calculator:

  1. Access the calculator here: http://bit.ly/2P1dT2D

  2. File -> “Copy” or “Save As” to make a copy for yourself

  3. Only input values in the YELLOW cells. The other cells have formulas in them, and messing with the formulas can corrupt the calculations.

Watch the video below for a walk through of the calculator:



Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.