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American Express® Gold Card vs Blue Cash Preferred® Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Gold Card is a good rewards card for cardholders who fly frequently or eat out. How does it compare to Blue Cash Preferred from American Express, a cash back, gas and grocery credit card? Read our comparison chart below.

Keep in mind, the American Express Gold Card has a $250 annual fee, while the Blue Cash Preferred has a $95 annual fee.

Charge Card vs Credit Card: American Express® Gold Card is a charge card while Blue Cash Preferred® Card from American Express is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 American Express Gold CardBlue Cash Preferred Card from American Express
 Apply NowApply Now
 

American Express® Gold Card

Blue Cash Preferred® Card from American Express

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
 
  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with the Gold Card at participating dining partners. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR on Purchases for 12 months
Introductory APR for Balance TransfersN/A0% introductory APR on Balance Transfers for 12 months
Purchase APRSee Rates & Fees14.99% to 25.99% Variable based on your creditworthiness and other factors
Balance Transfers APRSee Rates & Fees14.99% to 25.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee2.7% of each transaction after conversion to US dollars.
Annual Fee$250 annual fee$95 annual fee
 

Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months. 
Cash Back Rewards Cash Back Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Airline RewardsAirline Rewards: Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 
Point RewardsPoint Rewards: Earn 4X Membership Rewards® points at US restaurants. Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 
Airline StatusAirline Status: $100 Airline Fee Credit: up to $100 in statement credits per year for incidental fees at one selected airline. 
Gas Rewards Gas Rewards: 3% cash back at U.S. gas stations.
Grocery RewardsGrocery Rewards: Earn 4X Membership Rewards® points at US supermarkets (on up to $25,000 per year in purchases, then 1X).Grocery Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
Dining RewardsDining Rewards: Earn 4X Membership Rewards® points at US restaurants. 
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 American Express Gold CardBlue Cash Preferred Card from American Express
Pros & ConsPros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Pros:
  • 6% at US supermarkets (up to $6k/year in purchases, then 1%)
  • 3% at US gas stations
  • Bonus cash back promotional offer
Cons:
  • $95 annual fee
  • Not a Visa/MasterCard
Bottom LineGood rewards card for cardholders who fly frequently or eat out... Read full reviewExcellent cash back credit card for families... Read full review
 Apply NowApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.


    Explore American Express® Gold Card In-Depth


    Explore Blue Cash Preferred® Card from American Express In-Depth


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    Compare Blue Cash Preferred to:

    Blue Cash Everyday
    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% on Purchases for 15 months
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    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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