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

Our pick: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo

Up to 6%

Cash back

  • $0 intro annual fee for the first year, then $95
  • Huge cashback on groceries and streaming
  • Intro APR on purchases
Apply now
Terms apply, see rates & fees
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Megan Horner
Updated . What changed?
Fact checked
The American Express® Gold Card has a $250 annual fee (Terms apply, see rates & fees) while the Blue Cash Preferred® Card from American Express has a $95 annual fee (Terms apply, see rates & fees) starting the second year. However, it offers up to a couple hundred dollars 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.

American Express® Gold Card

American Express® Gold Card

Terms apply, see rates & fees

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Generous points on dining and US supermarkets
  • Industry-leading cash back at US supermarkets
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 6 months

$300 statement credit after spending $3,000 in the first 6 months
Rewards
Rewards

4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases

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 (redeem as statement credit)
Purchase APR
Purchase APR

See Pay Over Time APR

0% intro APR for 12 months, and then 13.99% to 23.99% variable

Annual fee
Annual fee $250 $0 intro annual fee the first year, then $95
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None 2.7% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Other Credit
Learn more
Learn more

Read review

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

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
$250

Rose Gold is back

 Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Apply now
View details
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 months
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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% cashback as statement credit on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Apply now
View details
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