Blue Cash Everyday vs. Premier Rewards Gold Card | finder.com

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

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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 Premier Rewards Gold Card from American Express is going to come down to how you plan on using your card and what kind of rewards you’re after.

The Premier Rewards Gold Card from American Express is a charge card and 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

Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Welcome bonus

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

25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
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.

Earn 3x points on airfare booked directly with airlines and 2x points at US restaurants, US gas stations and US supermarkets. Earn 1x points on all other purchases.

Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 14.74% to 25.74% variable

Not a feature of a charge card
Annual fee $0 $0 the first year, then $195
Balance transfers

APR: 0% intro APR for 15 months, then 14.74% to 25.74% variable

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

Not a feature of a charge card
Cash advance

APR: 26.99% variable

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

Not a feature of a charge card
Foreign transaction fee 2.7% of each transaction None
Late payment fee $38 $38
Additional cardholder fee $0 $0
Interest-free period 25 days None
Minimum interest $0 $0
Minimum credit score 680 680
Card type Credit Charge
Learn more

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
  • $150 cashback welcome offer

Spending at US supermarkets with the Blue Cash Everyday® Card from American Express can make filling up your grocery cart rewarding, earning you 3% cash back on up to $6,000 per year, then 1%. And the welcome bonus is easily attainable compared to other cards: Spend $1,000 in the first 3 months of card membership and receive $200 in a statement credit. This a solid cashback card that you won't have to pay an annual fee to use.

Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Large welcome offer
  • No interest charges because your balance is paid in full each month
  • $100 airline fee credit

The Premier Rewards Gold Card from American Express has no foreign transaction fees and gives cardholders access to The Hotel Collection and its perks — 2x points when you book a stay that's two or more nights, plus a $75 hotel credit. There's no annual fee the first year, and the annual fee of $195 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 Premier Rewards Gold Card from American Express. 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 September 21st, 2018
Name Product Welcome Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1.5 points
14.74%, 18.74% or 24.74% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
1 points
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2 points
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 15,000 points after spending $1,000 in the first 3 months
1 points
14.74% to 24.74% variable
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
Earn 10,000 points after spending $1,000 in the first 3 months
1 points
14.74% to 25.74% variable
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
Earn 150 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
$0
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
Earn 200 cash back after spending $1,000 in the first 3 months
1% cash back
14.74% to 25.74% variable
$95
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
Earn 150 cash back after spending $500 in the first 3 months
1.5% cash back
16.74% to 25.49% variable
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.

Compare up to 4 providers

Compare more American Express credit cards

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site