American Express® Gold vs Choice Privileges® Select Mastercard®
Side-by-side comparison
| American Express® Gold | Choice Privileges® Select Mastercard® | |
|---|---|---|
| Annual fee | $325 | $95 |
| Welcome offer | 60,000 points | |
| Dining | 4x | 1x |
| Groceries | 4x | 5x |
| Gas | 1x | 5x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $598 | $618 |
| Points type | Transfers to airlines & hotels | Locked to Choice Privileges |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Gold earns about $598 a year in rewards and the Choice Privileges® Select Mastercard® about $618, valuing every point at a flat 1 cent. The American Express® Gold charges $325, but carries about $424 in annual statement credits that offset it for anyone who uses them. The Choice Privileges® Select Mastercard® charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Choice Privileges® Select Mastercard® delivers more total value, about $38 a year more for a typical spender, mostly because it earns more where you spend most, on gas and groceries. The bigger difference is the ceiling: the American Express® Gold earns points you can move to travel partners for outsized value, while the Choice Privileges® Select Mastercard® stays locked to a single airline or hotel program. Favor the American Express® Gold if you will use travel transfers, the Choice Privileges® Select Mastercard® if you want simplicity. On the sign-up bonus, the American Express® Gold currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Gold if your spending leans toward dining, travel. Pick the Choice Privileges® Select Mastercard® if your spending leans toward groceries, gas.