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.
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
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.
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.
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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