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Blue Cash Everyday® Card from American Express vs. American Express® Gold Card

Do you want to get travel perks or cash back out of your next rewards credit card?

The Blue Cash Everyday has a $0 annual fee, and the Amex Gold Card has a $250 annual fee. But while the former offers up to 3% cash back, the latter offers up to 4x points in bonus categories — giving you up to an 8% rewards rate with point transfers. Also, the Amex Gold Card offers hundreds of dollars in annual statement credits.

Ultimately, the Blue Cash Everyday is better suited for everyday purchases. The Amex Gold Card is quite the contender for everyday purchases as well, given its bonus rewards on grocery spending. But it really shines if you travel and dine out frequently.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Terms apply, see rates & fees

American Express® Gold Card

American Express® Gold Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Cash back on US groceries and gas
  • Generous points on dining and US supermarkets
Welcome offer
Welcome offer

Earn a $200 statement credit after spending $2,000 in the first 6 months

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

Rewards
Rewards

3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)

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

Purchase APR
Purchase APR

0% intro APR for 15 months, and then 13.99% to 23.99% variable

See Pay Over Time APR

Annual fee
Annual fee $0 $250
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 2.7% of each transaction None
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 Credit Other
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Learn more

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