Side-by-side comparison of rewards, fees, and benefits
American Express
Chase
Direct link. CardSavvy earns no commission today.
Rates verified May 2026
The Ritz-Carlton Card comes out ahead by $228/yr at a typical $24,000/yr spending profile.
Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.
| Card | Rewards | Credits | Fee | Net/yr |
|---|---|---|---|---|
| American Express Business Gold | $492 | $206 | -$375 | $323 |
| The Ritz-Carlton Card | $250 | $751 | -$450 | $551 |
Booking through the card issuer's travel site. Point values adjust automatically.
Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers. | American Express Business GoldAmerican Express | The Ritz-Carlton CardChase |
|---|---|---|
Annual Fee | $375 | $450 |
Sign-Up Bonus | 100,000 pts | - |
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners). | 1.0¢(Travel Portal) | 1.0¢(Travel Portal) |
Dining | 4x | 3x |
Grocery | 1x | 1x |
Flights | 3x | 3x |
Hotels | 3x | 6x |
Gas | 4x | 1x |
Online Shopping | 4x | 1x |
Everything Else | 1x | 1x |
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food. | 4x | 3x |
Streaming Subscriptions like Netflix, Spotify, Disney+, etc. | 1x | 1x |
Internet Home internet and cable bills. | 1x | 1x |
Cell Phone Cell phone bills (may incur processing fees). | 1x | 1x |
Home Utilities Electricity, gas, water, sewer, trash. | 1x | 1x |
Travel/Airline Credit | - | - |
Est. Perks Value | - | - |
Lounge Access | No | Yes |
* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).
Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.
CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.
The Ritz-Carlton Card earns more on travel (6x hotels vs 3x). American Express Business Gold excels at everyday spending like dining and gas. American Express Business Gold has a lower annual fee ($375 vs $450). Your best choice depends on where you spend the most.
Our Wallet Optimizer analyzes your spending across all categories to recommend the best cards for your lifestyle.
Optimize My Wallet