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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.

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Megan Horner
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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 other eligible 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 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
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