American Express Gold Card vs Blue Cash Preferred Card | finder.com

American Express® Gold Card vs Blue Cash Preferred® Card from American Express

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American Express® Gold Card

American Express® Gold Card

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

4.0 / 5.0
Best for
Best for
  • Generous points at US restaurants and US supermarkets
  • Industry-leading cash back at US supermarkets
Welcome offer
Welcome offer 35,000 points after spending $2,000 in the first 3 months $200 statement credit after spending $1,000 in the first 3 months
Rewards
Rewards

3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)

6% at US supermarkets on up to $6,000 per year, then 1%. 3% at US gas stations and select US department stores and 1% on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

See Rates & Fees

0% intro APR for 12 months, and then 15.24% to 26.24% variable

Annual fee
Annual fee $250 $95
Balance transfers
Balance transfers See Rates & Fees

APR: 0% intro APR for 12 months, then 15.24% to 26.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance See Rates & Fees

APR: 27.49% variable

Fee: $5 or 3% of the transaction, whichever is greater

Late payment fee
Late payment fee Up to $38 Up to $38
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 680 680
Card type
Card type Other Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

American Express® Gold Card

American Express® Gold Card

  • Large welcome offer of 35,000 bonus Membership Rewards® Points when you spend $2,000 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

Blue Cash Preferred® Card from American Express

  • $95 annual fee
  • Purchases and balance transfers have an intro APR for 12 months
  • Earn 6% cash back at US supermarkets on up to $6,000 per year in purchases and 1% after that. Earn 3% cash back at US gas stations and 1% on all other purchases
  • Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months

Compare similar credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees

Compare up to 4 providers

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.24% to 25.74% variable
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
11.99% to 17.99% variable
0% for the first 12 months (then 11.99% to 17.99% variable)
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases.

Compare up to 4 providers

Compare American Express credit cards

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