Compared from 305 real customer reviews

Wise vs American Express Gold Card

Side by side from 305 real reviews. Every count is the same as on each product’s page.

How the signal works
The signal score

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.

87 signal

198 reviews

75 signal

107 reviews

In short

Low, upfront fees and good exchange rates for international transfers; accounts blocked in reviews.

Strong 4x earning on dining and groceries; the annual fee stings and the credits suit city dwellers.

Liked mostreviews mentioning it

Watch forreviews mentioning it

Specs

Type
International transfers and multi-currency account
Fees
Mid-market exchange rate plus a fee shown upfront
Rates & rewards
Live mid-market exchange rate with no markup; transfer fee quoted upfront
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)

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Shares count reviews with a clear verdict from the recent window, like each product’s page. Tags are counted over the same reviews. All products