Amex Gold Card vs. Amex Blue Cash Preferred Card [Detailed Comparison]

American Express is a powerhouse when it comes to issuing credit and charge cards. There’s an option for every business operation, large or small, and personal cards that match any spending profile.

The 2 American Express cards we’ll compare today are cards you might use daily to purchase gas, buy groceries, or to pay for a restaurant meal. Earning rewards on purchases you’re already making is an easy way to accumulate extra value, whether it’s points, miles, or even cash-back.

And while both the American Express^® Gold Card and the Blue Cash Preferred^® Card from American Express function well as cards that earn rewards for everyday purchases, each card differs in how it delivers those rewards.

Additionally, you’ll find differences in how rewards can be redeemed and the collection of benefits that come with each card.

Let’s dive in and see how these cards compare and contrast!

Overview

Before we dive into all the key details of the Amex Gold card and the Amex Blue Cash Preferred card, let’s look at a high-level overview comparing our featured cards side-by-side.

Welcome Offer Comparison

Credit card issuers frequently offer incentives, in the form of a welcome offer, to apply for a specific card. These welcome offers are typically earned by meeting minimum spending requirements within the first few months after you’re approved for the card.

Here’s how we’d estimate the value of current welcome offers on the Amex Gold card and the Amex Blue Cash Preferred card:

Amex Gold Card

LAST CHANCE

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

60,000 points + up to $100 back

UP's Bonus Valuation*:

$1,420

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
• Get the American Express^® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Membership Rewards points received as a welcome offer can be redeemed for eligible travel with AmexTravel.com for 1 cent per point.

You can also use the Amex transfer partners and potentially receive more value.

Amex Blue Cash Preferred Card

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

18.74%-29.74% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.74% - 29.74%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.

Financial Snapshot

• APR: 18.74%-29.74% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

The Amex Blue Cash Preferred card offers a cash-back welcome bonus offer in the form of a statement credit after meeting minimum spending requirements within the first 3 months after card approval.

Bottom Line: While welcome offers on the 2 cards can be similar in value, Membership Rewards points have the potential to be worth more because they can be transferred to airline and hotel loyalty programs to be redeemed for flights and/or hotel rooms. 

Comparing Earning Power

Both of our featured cards earn rewards on every purchase and bonus rewards on specific everyday purchase categories including U.S. supermarkets, restaurants, and gas stations.

The Amex Gold card earns Membership Rewards points while the Blue Cash Preferred card earns cash-back. Let’s look at how each card earns rewards.

The Amex Gold card has the potential to earn 100,000 Membership Rewards points (worth at least $1,000 towards eligible travel) if you maximize the 4x earning categories. The Amex Blue Cash Preferred card could earn just a maximum of $360 for $6,000 in U.S. supermarket purchases, but also rewards select U.S. streaming subscription purchases with 6% cash-back.

If you also spend a lot on travel, the Amex Gold card is a better choice with 3x earnings versus the Amex Blue Cash Preferred card at 1% cash-back on travel purchases. If you’re spending a lot on transportation, streaming services, and gas, the Amex Blue Cash Preferred card may be a better choice.

Bottom Line: The card that will deliver the best earnings for you will depend on your mix of spending. If you’re spending more than $500 per month at U.S. supermarkets and spend a lot on travel, the Amex Gold card delivers better value. If you subscribe to select streaming services and spend a lot on transit or gas, consider the Amex Blue Cash Preferred card. Another consideration will be whether you prefer to earn cash-back or Membership Rewards points.

Comparing Redemption Options

While cash-back earned on the Amex Blue Cash Preferred card is certainly the most liquid form of rewards you can earn, Membership Rewards points earned on the Amex Gold card have the potential to be redeemed for greater value when transferred to travel partners.

If you’re looking for simplicity, it doesn’t get easier than redeeming cash-back in the form of a statement credit. However, the advantages of earning Membership Rewards points include the option to receive higher value by transferring points to travel partners.

When Membership Rewards points are transferred to airline frequent flyer programs, for example, they are exchanged for miles that can then be redeemed for award flights. It’s possible to receive a much higher value for your points when doing so.

Bottom Line: If you’re looking for a good cash-back card option, the Amex Blue Cash Preferred card will serve that purpose effectively. However, if you’re interested in redeeming rewards for travel, the Amex Gold card provides additional redemption options that may deliver greater potential value. 

Statement Credits Comparison

Statement credits can provide direct economic value.

Amex Gold card

• Up to $10 in Uber Cash each month for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
• Up to $10 per month in dining statement credits for purchases at GrubHub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• New $100 Resy Credit: $100 annual statement credit ($50 semi-annually), redeemable at any U.S. Resy restaurant and other eligible Resy purchases. Enrollment required through your Amex account.
• New Dunkin’ Credit: $84 annual statement credit ($7/month), redeemable at Dunkin’ locations. Enrollment required.

Amex Blue Cash Preferred card

• Disney Bundle Credit: Spend $9.99 or more each month on an auto-renewing Disney Bundle subscription to receive a monthly statement credit of $7, up to $84 annually. Valid only at Disney Plus.com, Hulu.com, or Plus.espn.com in the U.S. Enrollment required.

Hotel Program Benefits

Both the Amex Gold card and the Amex Blue Cash Preferred card offer cardholders the Lowest Hotel Rates Guarantee when booking on AmexTravel.com. If you book a prepaid hotel via AmexTravel.com and find the identical room at a lower price online, you’ll be refunded the difference. Terms and conditions do apply.

One caution is that when you book your hotel through AmexTravel.com, you will not receive any hotel loyalty program benefits that might otherwise apply.

While the Amex Blue Cash Preferred card does not offer any specific additional hotel program benefits, the Amex Gold card comes with these additional benefits:

The Hotel Collection

Book a 2 night or longer stay with your Amex Gold card via AmexTravel.com and receive several benefits through The Hotel Collection:

• A $100 on-site credit per stay towards the purchase of on-site activities, spa services, dining, and more
• An upgraded room, based on availability
• Earn 2x points per dollar spent when paying with your card for prepaid stays via AmexTravel.com
• Select to pay for your stay upfront using your Membership Rewards points

Bottom Line: While the hotel program benefits that come with the Amex Gold card are better than the Amex Blue Cash Preferred card, these benefits can only provide additional value if you can take advantage of them. 

Travel Protection and Insurance Comparison

While neither of these cards comes with a lot of travel protection coverage, there are a few benefits that can save you money or assist you during your travels.

Both cards provide complimentary secondary car rental insurance, but for a low fee that ranges from $12.25 to $24.95, you can cover your entire rental period with Premium Car Rental Protection which provides primary car rental insurance coverage.

Bottom Line: If you’ll be using your card for worldwide travel, the Amex Gold card is the better choice as it does not charge foreign transaction fees. It also earns 4x points on global restaurant purchases (up to $50,000 per calendar year) and offers baggage insurance. 

Shopping Benefits Provided With Both Cards

• Amex Offers — Receive special cash-back or bonus Membership Rewards points when specific purchases are made with your eligible card. You can save hundreds of dollars per year with Amex Offers. Offers are posted to your online card account periodically.
• American Express Auto Purchasing Program — Administered by TRUEcar, the auto purchasing program can save members thousands of dollars on new car purchases, plus allow you to charge at least $2,000 of the purchase price to your eligible card.
• Return Protection — Eligible purchases charged entirely on your card that are not accepted for return by the selling merchant may receive up to $300 per item, up to $1,000 per account per calendar year. Coverage is provided for 90 days from purchase.
• Entertainment Access — Gain priority access to special events such as sporting events, concerts, and food/wine events.

Additional Shopping Benefits Provided on the Amex Gold Card

• Extended Warranty — For U.S. manufacturers’ warranties of 5 years or less, an extension of 1 year will be added for eligible items. If the manufacturer’s warranty is less than 1 year in length, it will be matched.
• Purchase Protection — Coverage is provided for eligible items up to 90 days from the purchase date for damage, theft, or loss. Coverage limits are $10,000 per item, up to $50,000 maximum per account per calendar year.

Annual Fees and Adding Additional Users

Annual Fees

The lower annual fee on the Amex Blue Cash Preferred card makes it simple to offset with earnings alone. Although the Amex Gold card charges a much higher annual fee, the higher limit on 4x earnings can result in much greater earnings.

Annual fees can change. To view current pricing, including annual fees, check out the tables at the top of this article.

Adding Additional Users

The Amex Gold card does not charge a fee for adding up to 5 additional authorized users. The annual fee for the sixth card and beyond is $35 for each additional card.

There is no charge for adding authorized users to the Amex Blue Cash Preferred card.

Final Thoughts

The earning power for everyday purchases with the Amex Gold card is strong. The card also offers a broad selection of redemption options, statement credits, and a few extra shopping protections.

Although the annual fee on the Amex Gold card is much higher than the Amex Blue Cash Preferred card, the potential for increased earnings in 4x categories and 3x earnings on travel offsets that fee rather quickly.

If you prefer cash-back earnings, a lower annual fee, and you do not spend on travel or care about travel redemptions, the Amex Blue Cash Preferred card may work well for you.