Blue Cash Everyday vs. American Express® Gold Card | finder.com

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

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

Choosing between the Blue Cash Everyday® Card from American Express and the American Express® Gold Card is going to come down to how you plan on using your card and what kind of rewards you’re after.

The American Express® Gold Card will have more of an appeal for someone who often finds themselves at the airport. But if you’re a cashback rewards chaser, the Blue Cash Everyday® Card from American Express might be what you’re looking for.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

American Express® Gold Card

American Express® Gold Card

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

★★★★★

4.5 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Cash back on groceries and gas
  • Generous points at US restaurants and US supermarkets
Welcome offer
Welcome offer $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months. 35,000 points after spending $2,000 in the first 3 months
Rewards
Rewards

Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases

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)

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

0% intro APR for 15 months, and then 15.24% to 26.24% variable

See Rates & Fees

Annual fee
Annual fee $0 $250
Cash advance
Cash advance

APR: 27.49% variable

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

See Rates & Fees
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 Credit Other
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • No annual fee
  • Purchases and balance transfers have an intro APR for 15 months
  • Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases
  • Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months

Spending at US supermarkets with the Blue Cash Everyday® Card from American Express can make filling up your grocery cart rewarding. And the welcome bonus is easily attainable compared to other cards. This a solid cashback card that you won't have to pay an annual fee to use.

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

The American Express® Gold Card has no foreign transaction fees and gives cardholders access to The Hotel Collection and its perks — room upgrades when available when you book a stay that's two or more nights, plus a $75 hotel credit. The annual fee of $250 each year after can easily be offset if you take advantage of the priceless travel perks.

What’s next?

If you know you’re looking for a rewards card with travel perks, you may want to apply for the American Express® Gold Card. If cash back is more your thing, consider the Blue Cash Everyday® Card from American Express.

And if neither credit card seemed financially functional, skip ahead and keep comparing credit cards until you have your “a-ha” moment.

Updated February 19th, 2019
Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 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.
$150 cash back after spending $500 on purchases in the first 3 months
5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Earn 1.5% unlimited cash back for each dollar spent
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 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 select US department stores and 1% on all other purchases
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$150 after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash back on your purchases
$0
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
35,000 points after spending $2,000 in the first 3 months
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)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points 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
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
30,000 miles after spending $1,000 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 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.
Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 1x rewards points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
$0
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0 to $99
Get 1% cash back rewards on eligible purchases.
$0 to $99
Seeing if you pre-qualify is fast, easy, and secure.
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.

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