Card comparisonSide by side
American Express Gold Card vs Chase Freedom Flex®
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | Chase |
Card Network | ||
Card Type Data: 2/2 cards | travel | cashback |
Card Tier Data: 2/2 cards | Premium | Mid Tier |
Credit Score | Good(700-749) | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $325 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 20.99% – 29.99% | 19.99% – 28.74% |
Intro APR | — | 0% for 15 months |
| Rewards | ||
Welcome Bonus | Earn 60,000 points | Earn $200 |
Bonus Value | $1,200 | $200 |
Reward Rate Data: 2/2 cards | 4x pts on restaurants worldwide | 5% back on chase travel (booked through chase ultimate rewards) |
Reward Program Data: 2/2 cards | Membership Rewards | Chase Ultimate Rewards |
| Earning Rates | ||
| All other purchases | 1x pts1x on all other eligible purchases | 1% back |
| Chase Travel (booked through Chase Ultimate Rewards) | — | 5% backPurchases made through Chase Ultimate Rewards travel portal |
| Dining at restaurants (including takeout and eligible delivery services) | — | 3% back |
| Drugstores | — | 3% back |
| Flights booked directly with airlines or on amextravel.com | 3x pts3x on flights booked directly with airlines or on amextravel.com | — |
| Restaurants worldwide | 4x pts4x at restaurants worldwide | — |
| Rotating quarterly bonus categories (activated, up to $1,500/quarter) | — | 5% backRequires quarterly activation; 5% applies on up to $1,500 in combined purchases each quarter |
| U.S. Supermarkets | 4x pts4x at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x | — |
| Benefits | ||
Key Benefits |
|
|
