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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?

Kyle Morgan
Kyle Morgan

Updated

Fact checked
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

Rates & Fees

American Express® Gold Card

American Express® Gold Card

Rates & Fees
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 on dining and US supermarkets
Welcome offer
Welcome offer

$150 after spending $1,000 in the first 3 months

35,000 points after spending $4,000 in the first 3 months
Rewards
Rewards

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

3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Purchase APR
Purchase APR

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

See Rates & Fees

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

Which card should you choose?

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Intro APR period on purchases. You'll get a 0% intro APR period on purchases for the first 15 months from account opening. After that, your rate reverts to 13.99% to 23.99% variable.
  • Earn cash back. Earn 3% cash back on up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on everything else you buy.
  • Welcome offer. Get $150 bonus after you spend $1,000 on purchases in the first 3 months following your account opening.

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 35,000-point welcome offer after you spend $4,000 within your first 3 months of account opening.
  • Get a great selection of travel benefits and credits, including a monthly $10 dining credit and $100 airline fee credit.

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.

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Citi® Double Cash Card
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Apply now
View details
Citi Rewards+℠ Card
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
Apply now
View details
Luxury Card Mastercard® Titanium Card™
Luxury Card Mastercard® Titanium Card™
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.
Apply now
View details
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
See offer
View details
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
See offer
View details
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