American Express Gold vs Chase Freedom Flex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Chase Freedom Flex wins 3-1. No-fee rotating cashback for category optimizers. American Express Gold is still the right call if heavy restaurant + grocery spenders ($1k+/mo on food).
Side-by-side
| Criterion | American Express Gold | Chase Freedom Flex |
|---|---|---|
| Annual fee | · $325 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 4% (dining) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 Membership Rewards points after $6,000 in 6 months | = $200 cashback after $500 spend in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
American Express Gold
- 4x points at restaurants worldwide (incl. Uber Eats)
- 4x at U.S. supermarkets (up to $25K/year)
- 3x on flights booked direct or via amextravel.com
- $120 annual dining credit ($10/mo at select partners)
- $120 annual Uber Cash
- No foreign transaction fees
Chase Freedom Flex
- 5% rotating quarterly bonus categories (up to $1,500/quarter)
- 5% on travel via Chase Ultimate Rewards
- 3% on dining + drugstores
- 1% on everything else
- No annual fee
- 0% intro APR for 15 months
FAQ
›American Express Gold vs Chase Freedom Flex: which is better?
Chase Freedom Flex wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use American Express Gold for its best categories, Chase Freedom Flex for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Gold: 60,000 Membership Rewards points after $6,000 in 6 months. Chase Freedom Flex: $200 cashback after $500 spend in first 3 months.