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Update: Some offers mentioned below are no longer available. View the current offers here: Premier Rewards Gold Card from American Express, Southwest Rapid Rewards Premier Card

TPG reader Noah tweeted me to ask:

 @thepointsguy “Which card should I get? The American Express Gold Premier Rewards credit card with the 50k bonus or Southwest Airlines Rapid Rewards Premier credit card with the 50k bonus?”

I generally don’t answer questions like “Which credit card is better?” because there are so many factors to take into consideration. A given credit card may be very lucrative for some people and not for others. For example, I know many readers swear by the Southwest cards, but I don’t fly Southwest very often since their routing isn’t ideal for me, and I usually use my miles for international travel to Europe; therefore this card wouldn’t be a great option for me. That being said, for people who fly Southwest often and want that flexibility, it’s an excellent option.

As I previously stated, I don’t normally answer these types of questions, but today I couldn’t help myself. TPG reader Noah wants to know which card is the better option: the Amex Gold Premier Rewards card or the Southwest Rapid Rewards Premier card.

If you want to fly internationally and have several different airline options, go with the Amex Premier card. This way you can leverage your points on many unique Membership Rewards transfer partners, like Aeroplan, Delta, Air France, ANA, British Airways and more. If you spend a lot of money on gas, airfare and groceries, this card will give you a much better earning ratio than the Southwest card.

If you often fly Southwest, the Rapid Rewards Premier card makes sense
If you fly Southwest often, the Rapid Rewards Premier card makes sense. (Image courtesy of Shutterstock)

On the other hand, if you fly Southwest frequently, get the Southwest card, especially if you think you can get the companion pass. The 50,000 point bonus you earn from the Southwest card will count towards the 110,000 point qualification requirement, so just one card will get you almost halfway there! Two cards will put you in sight of the finish line.

Of course, another option is to get both! One is Amex and one is Chase, and the annual fee is waived for the first year on the Amex Premier Rewards Gold. If you think you can meet the spending requirements for both cards, you may as well go for it.

So in conclusion, Noah, you tell us! Which one makes the most sense for you? For other readers, how do you decide between cards when you’re getting ready to apply? Please share your selection process and other suggestions in the comments below.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

Chase Sapphire Preferred® Card

With great travel benefits, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.