American Express® Gold Card vs Southwest Rapid Rewards® Priority Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Southwest Rapid Rewards® Priority CardSouthwest Rapid Rewards® Priority Card

Chase

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Annual Fee
$325
$229
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Southwest Rapid Rewards
Point Value
2.00¢/pt
1.25¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
40,000 Southwest Rapid Rewards after $3,000 in 90 days

Effective return by category

CategoryAmerican Express® Gold CardSouthwest Rapid Rewards® Priority Card
Dining & Restaurants8.00%
4x
1.25%
1x
Groceries8.00%
4x · $25,000 cap
1.25%
1x
Travel6.00%
3x
2.50%
2x
Gas Stations2.00%
1x
1.25%
1x
Streaming Services2.00%
1x
1.25%
1x
Everything else2.00%
1x
1.25%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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