Chase Sapphire Reserve℠

Sapphire Preferred or Amex Premier Rewards Gold for Dining?

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The sign-up offer for the Chase Sapphire Preferred card has been increased from 40,000 to 50,000 points after $4,000 spent within the first three months. You can earn an additional 5,000 points when you add an authorized user and make a purchase within the first 3 months as well.

TPG reader Thomas tweeted me about using credit cards for dining:

@thepointsguy – “Since both Amex Premier Rewards Gold and Chase Sapphire Preferred now offer 2x points on dining, which card are you using for that category?”

In June, American Express amped up rewards on the Premier Rewards Gold Card from American Express, adding 2x points on dining to match the Chase Sapphire Preferred Card.

While I’m glad to see Amex improving card benefits, I still use my Chase Sapphire Preferred card for all dining purchases, especially on the first Friday of every month, when Chase ups the bonus to 3x points on dining (although this promotion will not be available in 2016). I love using the card for Seamless, which I use a lot to order in to the office, and you can even get 2x points on Postmates, which is a great delivery service I sometimes use to order drinks. And Chase Sapphire gives you 2x points on dining when traveling internationally, while Amex only gives you 2x in the US.

I use my Chase Sapphire Preferred for all dining and earn 2X and on the first Friday of each month, 3X. Photo courtesy of Shutterstock.
I use my Chase Sapphire Preferred card to earn 2X points on dining. Image courtesy of Shutterstock.

In terms of value, I give the edge to Ultimate Rewards points over Amex Membership Rewards. Chase has fewer transfer partners, but the ones it has are more valuable. I especially love the hotel partners like Hyatt, because the transfer ratio is awesome — just 30,000 Ultimate Rewards points can get you a night in a top-tier Hyatt property that could easily cost well over $1,000 per night in hot destinations such as the Maldives or Paris. As for the airline partners, United can also offer good value.

Essentially, you can get amazing value when you maximize Ultimate Rewards, so the program has really become the foundation of my award travel strategy. I suggest using your Sapphire Preferred card for dining, but when it comes to airfare, the Amex PRG takes the cake. You can generally earn 3x points per dollar spent, or 4x when you buy through Membership Rewards Travel.

Keep in mind the current sign-up bonuses for each card:

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

Chase Sapphire Preferred® Card

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  • 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 a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 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 Regular APR Annual Fee Foreign Transaction Fee Credit Rating
N/A 16.24%-23.24% Variable Introductory Annual Fee of $0 the first year, then $95 0% Excellent Credit