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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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Our pick: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo

Up to 6%

Cash back

  • Industry-leading cash back on everyday purchases
  • Huge limited-time welcome offer and $0 intro annual fee for the first year (then $95)
  • Limited-time offers expire December 10, 2020
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See rates & fees
The American Express® Gold Card has a $250 annual fee while the Blue Cash Preferred® Card from American Express has an $0 intro annual fee until December 10, 2020 ($95 starting the second year) of the Blue Cash Preferred® Card from American Express. 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

Rates & Fees

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Rates & Fees

finder.com's rating
finder.com's 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 3 months

$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)

Rewards
Rewards

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

Purchase APR
Purchase 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 680 670
Card type
Card type Other Credit
Learn more
Learn more

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Summary of card features

American Express® Gold Card

American Express® Gold Card

  • Earn 4x points at restaurants. You'll also earn 4x points at US supermarkets up to 25,000 per calendar year. Earn 1x points after that and on everything else.
  • A solid 60,000-point welcome offer after you spend $4,000 within your first 6 months of account opening.
  • Get a great selection of travel benefits and credits, including a monthly $10 dining credit and $100 airline fee credit.

Blue Cash Preferred® Card from American Express

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 $300 in statement credit after spending $3,000 on purchases in the first three months of card membership. This offer expires December 10, 2020.
  • Intro APR period. Enjoy a 0% intro APR period on purchases for the first 12 months of account opening. After that, a variable APR of 13.99% to 23.99% applies.

Compare similar credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The Platinum Card® from American Express
100,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 15x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 15x points on flights will be capped on up to $500,000 annually (then 1x points).
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
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
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

Compare American Express credit cards

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