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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?

Updated Jan 12, 2021.

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 Terms apply, see rates & fees	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 U.S. groceries and gas	Generous points on dining and US supermarkets
Welcome offer
Welcome offer	Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.	60,000 points after spending $4,000 on eligible purchases in the first 6 months
Rewards
Rewards	3% at U.S. supermarkets on up to $6,000 per year, then 1%; 3% on U.S. online retail purchases, on up to $6,000 per year, then 1%; 3% at U.S. gas stations on up to $6,000 per year, then 1%	4x Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S.; 4x points at U.S. supermarkets on up to $25,000 annually (then 1x), 3x points on flights booked directly with airlines or on amextravel.com
Purchase APR
Purchase APR	0% intro APR for 15 months, and then 18.49% to 29.49% variable	20.49% to 27.49% variable APR for Pay Over Time Feature
Annual fee
Annual fee	$0	$250
Cash advance
Cash advance	APR: 29.74% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 29.74% 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
Learn more
Learn more	Read review	Read review

Rates and fees

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Kyle Morgan

Kyle Morgan is a writer and editor for Finder who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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