Chase Sapphire Reserve Card vs. Amex Gold Card [Detailed Comparison]

Key Takeaways

• The Chase Sapphire Reserve^® earns 8x points on travel booked through Chase Travel, 4x points on airfare and hotels booked directly, and 3x points on dining worldwide.
• The American Express^® Gold Card earns 4x points at U.S. supermarkets (up to $25,000 per year) and restaurants worldwide (up to $50,000 per year), 3x points on airfare, and 1x points on everything else.
• The Chase Sapphire Reserve card has a higher annual fee than the Amex Gold card, but it offers superior travel benefits and protections.

If you’ve searched for a travel rewards card, chances are you’ve considered both Chase and American Express cards. Both issuers are known for providing cards that earn valuable rewards you can redeem for travel and benefits that save money or make travel more enjoyable.

Today, we’re highlighting a pair of popular travel rewards cards issued by these financial institutions. The Chase Sapphire Reserve card and the Amex Gold card earn valuable rewards, offer good value at redemption time, and have travel and shopping benefits that add even more value.

While on the surface it may seem that both cards would serve you equally well, the cards do have their differences.

To find out which card is a better fit, we’ll look closely at how rewards are earned on each card. We’ll also check out the differences in redemptions to see which card provides benefits that save you travel dollars or add some comfort to your journey.

Overview

It can be helpful to review a high-level comparison before we expand on some of the details of our featured cards.

Here is a quick comparison of the key features and benefits of the Chase Sapphire Reserve card and the Amex Gold card.

Welcome Offer Comparison

Card issuers frequently offer incentives to apply for their cards. These welcome bonus offers can typically be earned by meeting minimum spending requirements within the first few months after being approved for the card.

Welcome offers change periodically, so check out the most recent offers before applying for any card.

Here’s a snapshot of what welcome bonus offers could be worth on our featured cards:

Chase Sapphire Reserve Card

NEW OFFER

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Ultimate Rewards points earned on the Chase Sapphire Reserve card can be redeemed for travel for up to 2 cents each when using the Points Boost feature. Using this valuation, a 50,000-point welcome bonus offer could be worth up to $1,000 in travel when redeemed on the Chase Travel portal.

Ultimate Rewards points can also be transferred to Chase airline and hotel partners, where you may receive even more value.

Amex Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary and you may not be eligible for an offer.

You can redeem Membership Rewards points earned on the Amex Gold card for flights via AmexTravel.com for 1 cent each. For this reason, we value the current welcome bonus offer at up to $2,200.

Since Membership Rewards points can also be transferred to the Amex transfer partners for potentially increased value, the welcome bonus offer could be more than $1,000 in value. This is why we value Amex points at more than 1 cent each.

Membership Rewards Points vs. Ultimate Rewards Points

Earning Potential per Card

Both of our featured cards earn points for every $1 spent, and each has bonus-earning categories that earn multiple points per $1 spent.

The Chase Sapphire Reserve card earns Ultimate Rewards points, and the Amex Gold card earns Membership Rewards points. Both points currencies are very valuable because of their flexibility at redemption time.

We’ll talk about redemption options next, but first, let’s look at how you earn rewards on each of these cards. Pay particular attention to how each card matches up with your spending patterns.

If you spend a lot on travel, you’d appreciate the elevated earnings on the Chase Sapphire Reserve card. Booking travel through Chase Travel results in the most earnings, but you can also earn well on flights booked with the airline or hotels booked directly. Use your card for dining anywhere you travel, as you’ll always earn 3x points.

The Amex Gold card delivers 3x earnings on airfare purchased directly from the airline or AmexTravel.com. The card excels at earning in more everyday purchase categories, as supermarket and restaurant purchases earn 4x points. U.S. supermarket earnings have a maximum of 4x $25,000 in purchases per calendar year, and worldwide 4x restaurant earnings are capped at $50,000 per calendar year. Earning 1x thereafter for both.

If you spend a lot on travel using Chase Travel, booking flights and hotels directly, and dining, you’d earn more with the Chase Sapphire Reserve card. If your spending is focused more at U.S. supermarkets and restaurants, the 4x earnings on the Amex Gold card could be a better match for you.

Discover how to accelerate your earnings on either card with our take on the best ways to earn lots of Ultimate Rewards points and lots of Membership Rewards points.

Bottom Line: The best rewards-earning card for your situation depends on your spending profile. If travel through Chase Travel, direct bookings of flights and hotels, and dining are your most significant expenses, the Chase Sapphire Reserve card would be better. If your spending is more in everyday categories such as supermarkets and dining, the Amex Gold card would earn more and offer nice travel redemptions. 

Comparing Redemption Options

Regardless of how you earn your rewards, the Chase Sapphire Reserve card or the Amex Gold card offers several desirable redemption options.

Transferring points earned on either card has the potential to earn the most value for your rewards.

It’s worth noting that Chase Ultimate Rewards points can be redeemed for 1 cent each for a statement credit, while Membership Rewards points can be redeemed at 0.6 cents per point for a general statement credit.

We’ll walk you through the best ways to redeem your Ultimate Rewards points or your Membership Rewards points with our guides for maximizing redemption value.

Bottom Line:

At redemption time, the Chase Sapphire Reserve card has the edge with the opportunity to redeem points for up to 2 cents each with Points Boost through Chase Travel. Both cards allow you to transfer points to airline and hotel partners, with the Amex Gold card having more travel partners.

Statement Credits Comparison

Statement credits provide direct value in return for making a specific purchase. The bottom line value you receive depends on how many you can utilize.

Here are the statement credits offered by the Chase Sapphire Reserve card and the Amex Gold card.

The shining star of this comparison is the $300 travel credit on the Chase Sapphire Reserve card. This benefit is easy to use and directly offsets some of the card’s higher annual fee.

The Chase Sapphire Reserve card offers many more statement credit opportunities than the Amex Gold card. Even if you can use just 2 or 3, you’d receive sufficient value from the card.

The Amex Gold card’s statement credits focus on dining, which may make the card’s credits easier to use.

Adding up the value of the statement credits you’ll actually use quickly tells you which card is better for you in this category.

Hot Tip:

Cardholders who spend $75,000 on a Chase Sapphire Reserve card in a calendar year unlock several perks, including IHG One Rewards Diamond Elite status, Southwest Airlines A-List status, a $500 Southwest Airlines credit (for bookings made through Chase Travel), and a $250 credit for the Shops at Chase.

Airport Lounge Access Advantages

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card is one of the best premium credit cards and comes with some extraordinary travel benefits. One such benefit is worldwide airport lounge access to over 1,300 lounge properties.

• Priority Pass Lounges (upon enrollment)
• Chase Sapphire Lounge by the Club for Chase Sapphire Reserve cardholders via their Priority Pass membership.
• Chase Sapphire Terrace locations
• Select Air Canada Maple Leaf lounges

The complimentary Priority Pass Select membership allows complimentary access for the cardholder plus up to 2 guests. Additional guests can gain access for $35 per person, per visit, based on capacity.

We find this one of the key benefits of having the Chase Sapphire Reserve card, as Priority Pass membership generally costs $469 for an annual pass. Also, unlike the Priority Pass Select membership that comes with the card, the purchased membership does not include complimentary guest access.

Amex Gold Card

The Amex Gold Card does not come with any airport lounge access membership.

Bottom Line: The Chase Sapphire Reserve card has complimentary worldwide airport lounge access for the cardholder and 2 guests. This Priority Pass Select membership, which grants access to over 1,300 properties, can be valued at a minimum of $469 (the cost of purchasing a single annual membership). The Amex Gold card does not offer lounge access. 

Hotel Program Privileges

Receiving perks during your hotel stay is always a welcome experience. Both cards have teamed up with hotel program partners to deliver complimentary benefits when you book with your eligible card.

Here are some of the benefits you can expect:

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card has hotel program benefits that will make you feel like a VIP.

The Edit by Chase Travel

You have access to over 1,000 worldwide hotel and resort properties in the Edit. To receive benefits, use your card to book your 2-night stay, or longer, directly with Chase Travel.

• Upgraded room at check-in, based on availability
• $100 on-site property credit
• Daily breakfast for 2
• Early check-in and late checkout, when available
• Complimentary Wi-Fi
• A welcome gift

The card comes with an annual statement credit of up to $500 through the Edit, delivered in 2 separate $250 credits, January through June, and July through December.

You can redeem Chase Ultimate Rewards points for up to 2 cents each to book Edit properties.

Amex Gold Card

Amex Gold Card members receive several hotel program benefits, including guest privileges at the Hotel Collection and the lowest-rate guarantee.

The Hotel Collection

Amex Gold cardmembers enjoy privileged benefits at American Express Hotel Collection properties. Pay for your 2-night stay or longer with your Amex Gold card and receive the following benefits:

• $100 credit per stay that can be used for eligible charges that vary by property
• Room upgrade, when available
• Pay with points for prepaid bookings, or pay with your card and receive 2x earnings.
• Terms apply

Lowest Hotel Rate Guarantee

Book your hotel room on AmexTravel.com using your Amex Gold card, and if you find an identical room for less, before taxes and fees, you could receive a refund for the difference.

Bottom Line: If you like booking independent and boutique hotels, either card will meet your desires, as both provide elite-type perks with their partner hotel programs. Note that many hotel loyalty programs exclude benefits when booking through a third party rather than directly through the hotel chain. However, booking through the Edit can afford loyalty program benefits at some properties.

Car Benefits (Rentals, Ride-Sharing)

Chase Sapphire Reserve Card

• Discounts and benefits with Avis
• Emerald Club Executive Elite status with National Car Rental

The Chase Sapphire Reserve card earns 5x points on Lyft ride-sharing purchases, plus a $10 monthly in-app credit through September 30, 2027.

Amex Gold Card

The Amex Gold card offers member discounts and benefits with most major car rental companies, such as National, Avis, and Alamo.

You can review car rental benefits and discounts by logging in to your account online and selecting the Benefits section.

Travel Insurance and Protection Comparison

While earning and redeeming rewards may be the prime motivation for selecting a specific card, travel benefits and protections can provide significant economic benefits when needed.

Here are the travel protections offered by our featured cards:

The Chase Sapphire Reserve card offers primary rental car insurance versus the Amex Gold card’s secondary coverage. However, a simple, inexpensive purchase of Amex’s premium car rental protection gives you the same primary car rental insurance when using the Amex Gold card. Coverage ranges from $12.25 to $24.95 and covers you for the entire rental period. Limits apply.

Bottom Line: The Chase Sapphire Reserve card has valuable travel benefits. With primary rental car insurance; trip interruption, cancellation, and delay coverage; roadside assistance; emergency evacuation; and emergency medical coverage, the card is a better choice for travel benefits and protections over the Amex Gold card.

Shopping Showdown: Protections and Benefits

While you wouldn’t select a travel rewards card for its shopping benefits and protections, it’s valuable to know what each card offers.

Chase Sapphire Reserve card

• Extended warranty: On manufacturer’s warranties of 3 years or less, the warranty is extended by 1 year.
• Purchase protection: Eligible items are covered for 120 days from the purchase date, up to $10,000 per item, for damage, theft, and “involuntary and accidental parting” (up to $50,000 per calendar year).
• Return protection: Items not accepted for return by the selling merchant are covered for 90 days from the date of purchase, up to $500 per item, $1,000 per year.

Amex Gold card

• Purchase protection: For up to 90 days from the purchase date, if a covered purchase is accidentally damaged, stolen, or lost, you may receive up to $10,000 per covered purchase, up to $50,000 per calendar year.
• Extended warranty: Pay for an item using your Amex Gold card and receive up to 1 extra year on the original manufacturer’s warranty (applies to warranties of 5 years or less). The maximum coverage amount is $10,000, and no more than $50,000 per card account per calendar year.

Food and Grocery Delivery Benefits

Chase Sapphire Reserve Card

Receive a complimentary DoorDash DashPass membership and up to $300 in DoorDash credits each calendar year. Cardholders receive a $5 monthly credit for restaurants, and 2 $10 credits for uses other than restaurants (activate by December 31, 2027).

Amex Gold Card

The Amex Gold card comes with $10 Uber Cash per month (up to $120 annually) that can be used for Uber Eats. Just remember to add your card to your Uber account.

The card also has a monthly dining credit of up to $10 that can be used on purchases at Grubhub, the Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required. Just charge your order to your Amex Gold card, and up to $10 will be automatically refunded as a statement credit.

The most recent credits added include the up-to-$100 Resy annual statement credit ($50 semiannually), redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment is required through your Amex account. The up-to-$84 Dunkin’ statement credit (up to $7 per month) is redeemable at U.S. Dunkin’ locations. Enrollment is required.

Annual Fees and Additional Users

Annual Fees

While the Chase Sapphire Reserve card has a fee that is significantly higher than the Amex Gold card, at $795 compared to $325, it also comes with more usable benefits, including worldwide lounge access and the $300 travel statement credit. These more than make up for the annual fee difference.

Adding Additional Users

You can add authorized users to your Chase Sapphire Reserve card at $195 each. While this may seem expensive, keep in mind that authorized users receive many of the benefits as the primary cardholder. These benefits include Priority Pass Select membership; trip interruption, cancellation, and delay insurance; and car rental insurance. However, authorized users do not receive their own $300 travel credit.

There is no additional annual fee for adding up to 5 authorized users to the Amex Gold card. The sixth card and beyond costs $35 per year.

Final Thoughts

While the Chase Sapphire Reserve card is a premium credit card with plenty of earning power, flexible redemption options, and a long list of benefits, the Amex Gold card presents a respectable alternative with a much lower annual fee.

If you value worldwide lounge access, spend a lot on travel in general, and want to redeem your rewards for travel, the Chase Sapphire Reserve card is an excellent choice.

The Amex Gold card provides a balance between being an everyday spending card and a travel rewards card. If your spending is focused on groceries and dining out, the card allows you to earn plenty of rewards on those purchases. However, you can also receive elevated earnings on flight purchases. Additionally, you have several options at redemption time.

You can’t go wrong with either card when your highest spending matches the card’s specific bonus categories, and the redemptions available can help you realize your travel goals.

You’ll also want to evaluate which statement credits, benefits, and protections you’ll take advantage of to determine which card provides greater bottom-line value.

For the car rental loss and damage insurance benefit of the American Express^® Gold Card,, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the trip delay insurance benefit of the American Express^® Gold Card, up to $300 per covered trip that is delayed for more than 12 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the baggage insurance plan benefit of the American Express^® Gold Card, baggage insurance plan coverage can be in effect for eligible persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier (e.g. plane, train, ship, or bus) when the entire fare for a common carrier vehicle ticket for the trip (one-way or round-trip) is charged to an eligible account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the common carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the global assist hotline benefit of the American Express^® Gold Card, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

For the purchase protection benefit of the American Express^® Gold Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the American Express^® Gold Card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.