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American Express® Gold Card vs Blue Cash Preferred® Card from American Express
Choose between earning Membership Rewards points and cash back.
The American Express® Gold Card has a $250 annual fee compared to the $95 annual fee of the $95. However, it offers up to $220 in annual statement credits, which heavily offsets its cost.
The Blue Cash Preferred® Card from American Express is an especially good choice for grocery spending, offering 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%. The Amex Gold Card pays a lower rate on grocery spending, but it offers 4x points at restaurants and 3x points on eligible flights.
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American Express® Gold Card
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Blue Cash Preferred® Card from American Express
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★★★★★ 4.6 / 5.0 |
★★★★★ 4.0 / 5.0 |
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35,000 points after spending $4,000 in the first 3 months |
$250 after spending $1,000 in the first 3 months |
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3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points) |
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases |
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See Rates & Fees |
0% intro APR for 12 months, and then 14.49% to 25.49% variable |
| $250 | $95 |
| See Rates & Fees |
APR: 0% intro APR for 12 months, then 14.49% to 25.49% variable Fee: $5 or 3% of the transaction, whichever is greater |
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APR: 26.74% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 26.74% variable Fee: $10 or 5% of the transaction, whichever is greater |
| None | 2.7% of each transaction |
| Up to $39 | Up to $39 |
| $0 | $0 |
| 25 days | 25 days |
| $0 | |
| 680 | 670 |
| Other | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
American Express® Gold Card
- Large welcome offer of 35,000 bonus Membership Rewards® Points when you spend $4,000 on purchases in the first 3 months
- Ideal for high-spenders in eligible travel, dining, and groceries
- $10 in dining statement credits monthly at select restaurants
- $100 airline fee credit annually
Blue Cash Preferred® Card from American Express
- Earn cash back. Earn 6% cash back at US supermarkets on up to 6,000 per year. After that, you'll earn 1% back. You'll also earn 6% on select US streaming services and 3% on transit purchases. At US gas stations you'll earn 3% back. For everything else you buy, you'll get 1% back.
- Welcome offer. Get $250 in statement credit after spending $1,000 on purchases in the first three months of card membership.
- Intro APR period. Enjoy a 0% intro APR period on balance transfers and purchases for the first 12 months of account opening. After that, a variable APR of 14.49% to 25.49% applies.
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