Compared from 1,940 real customer reviews
American Express Gold Card vs Chase Sapphire Reserve vs Monarch
Side by side from 1,940 real reviews. Every count is the same as on each product’s page.
How the signal works
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
75 signal
107 reviews79 signal
1,319 reviews79 signal
514 reviewsIn short
Strong 4x earning on dining and groceries; the annual fee stings and the credits suit city dwellers.
Many customers get strong value from the travel credit, lounges, insurance, points boost and transfer partners, often more than the annual fee.
Mint-style overview that many moved to from Mint, YNAB or Copilot; accounts that stop syncing.
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Specs
- Type
- Travel rewards charge card
- Fees
- $325 annual fee
- Rates & rewards
- 4x points at restaurants worldwide (up to $50K a year) and at U.S. supermarkets (up to $25K a year)
- Type
- Premium travel rewards credit card
- Fees
- $795 annual fee
- Rates & rewards
- 8x points on Chase Travel, 4x on flights and hotels booked direct, 3x on dining
- Type
- Budgeting and net-worth app
- Fees
- Core $99.99 a year or $14.99/month; Plus $199 a year
- Rates & rewards
- Not listed
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