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Amex Gold and Sapphire Preferred

American Express Gold Card, Chase Sapphire Preferred — one pass, free, no account and no app. Gold Card takes everything else, dining and groceries and 2 more; Sapphire Preferred takes gas, travel and streaming and 3 more.

Add to Apple Wallet

Card terms as of Sep 14. Open the downloaded pass on an iPhone to add it to Wallet. Regenerate it when card terms change.

What you get

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Pass content preview
CategoryBest card
Everything elseGold Card1.6%
DiningGold Card6.4%
GroceriesGold Card6.4%
GasSapphire Preferred4.5%
TravelSapphire Preferred · Chase Travel7.5%
StreamingSapphire Preferred4.5%
Online groceryGold Card6.4%
FlightsSapphire Preferred · Chase Travel7.5%
HotelsGold Card · American Express Travel8.0%
Car rentalSapphire Preferred · Chase Travel7.5%
CruisesSapphire Preferred · Chase Travel7.5%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Gold Card — 1.6%
  2. Sapphire Preferred — 1.5%

Dining

  1. Gold Card — 6.4%
  2. Sapphire Preferred — 4.5%

Groceries

  1. Gold Card — 6.4%
  2. Sapphire Preferred — 1.5%

Gas

  1. Sapphire Preferred — 4.5%
  2. Gold Card — 1.6%

Travel

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Gold Card — 1.6%
  3. Sapphire Preferred — 1.5%

Streaming

  1. Sapphire Preferred — 4.5%
  2. Gold Card — 1.6%

Online grocery

  1. Gold Card — 6.4%
  2. Sapphire Preferred — 4.5%

Flights

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Gold Card — 4.8%
  3. Gold Card · American Express Travel — 4.8%
  4. Sapphire Preferred — 3.0%

Hotels

  1. Gold Card · American Express Travel — 8.0%
  2. Sapphire Preferred · Chase Travel — 7.5%
  3. Sapphire Preferred — 3.0%
  4. Gold Card — 1.6%

Car rental

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Gold Card · American Express Travel — 3.2%
  3. Gold Card — 1.6%
  4. Sapphire Preferred — 1.5%

Cruises

  1. Sapphire Preferred · Chase Travel — 7.5%
  2. Gold Card · American Express Travel — 3.2%
  3. Gold Card — 1.6%
  4. Sapphire Preferred — 1.5%

Why these cards

Gold Card takes everything else, dining and groceries and 2 more; Sapphire Preferred takes gas, travel and streaming and 3 more.

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.

See the full ranking for American Express Gold Card, Chase Sapphire Preferred — every spend category, every card, with the reasons. Or open it in the generator and change the cards.