When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. These cards won't be worth it if you're paying interest or late fees. We're focused here on the rewards and perks that come with each card. With that in mind, let's look at if the Amex Gold Card or the Chase Sapphire Reserve is best for you. However, the two programs have different airline and hotel transfer partners, so you'll want to investigate which points are the most useful to you.

Insider estimates both of these points are worth an identical 1.8 cents each, on average. With the Chase Sapphire Reserve, you'll earn Chase Ultimate Rewards® points, while with the Amex Gold Card you'll earn Amex Membership Rewards points. Perhaps the biggest difference to consider up top is that they earn different rewards currencies. If a card saves you more than you're paying for the annual fee, it's worth it. The Chase Sapphire Reserve®'s $550 annual fee is higher than the American Express® Gold Card's $250 annual fee, but that doesn't mean one is necessarily more costly than the other.

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