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The Platinum Card® from American Express vs Blue Cash Preferred® Card from American Express

Compare Rewards, Interest Rates, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

American Express Platinum is an excellent charge card for frequent travelers. 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 Platinum has a $450 annual fee, while the Blue Cash Preferred has a $95 annual fee ($75 if your application is received by 8/3/16).

Charge Card vs Credit Card: The Platinum Card® from American Express 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.

 The Platinum Card from American ExpressBlue Cash Preferred Card from American Express
 Apply for The Platinum Card from American ExpressApply for Blue Cash Preferred Card from American Express
 

The Platinum Card® from American Express

Blue Cash Preferred® Card from American Express

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsAirline RewardsHotel RewardsPoint RewardsTravel Rewards
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
 
  • Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • $200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.
  • There are no foreign transaction fees with your Platinum Card.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status.
  • Get reservations with Platinum Card® Concierge to enjoy an exquisite dining experience with the #AmexPlatinum Dining Program. Learn more.
  • No interest charges because you pay your balance in full each month.
  • Terms and limitations apply.
  • See Rates & Fees
  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
  • Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 12 months
Introductory APR for Balance TransfersN/A0% introductory APR for 12 months
Purchase APRN/A13.24% to 23.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A13.24% to 23.24% Variable based on your creditworthiness and other factors
Annual Fee$450 annual fee$95 annual fee ($75 if your application is received by 8/3/16)
 

Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Get 40,000 points after you use your new Card to make $3,000 in purchases in your first 3 months. 
Cash Back Rewards Cash Back Rewards: Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
Airline RewardsAirline Rewards 
Hotel RewardsHotel Rewards 
Point RewardsPoint Rewards: Earn 1 point for virtually every dollar spent. 
Travel RewardsTravel Rewards 
Airline StatusAirline Status: Up to a $200 Airline Fee Credit Annually. To receive the statement credit, you need to select a qualifying airline.
Airport Club Access gives you access to three airport lounge networks including participating Delta Sky Club® lounges and Priority Pass(TM) Select. When you enroll in Priority Pass(TM) Select, you can access over 600 participating airport lounges worldwide - no matter what class or airline you fly.
 
Hotel StatusHotel Status: Enroll in complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status.
 
Gas Rewards Gas Rewards: 3% cash back at U.S. gas stations. Terms and limitations apply
Grocery Rewards Grocery Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms and limitations apply
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta Air Lines, Frontier Airlines, Hawaiian Airlines, JetBlue, Virgin America and more. 
Smart ChipSmart ChipSmart Chip
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Platinum Card from American ExpressBlue Cash Preferred Card from American Express
Pros & ConsPros:
  • Travel benefits
  • 40,000 bonus points after you spend $3000 in first 3 months
  • Concierge service
Cons:
  • $450 annual fee
Pros:
  • 6% at US supermarkets (up to $6k/year in purchases)
  • 3% at US gas stations
  • Bonus cash back promotional offer
  • Intro APR on purchases and balance transfers for 12 months
Cons:
  • $95 annual fee ($75 if your application is received by 8/3/16)
  • Not a Visa/MasterCard
Bottom LineExcellent charge card for frequent travelers... Read full reviewExcellent cash back credit card for groceries and gas... Read full review
 Apply Now for The Platinum Card from American ExpressApply Now for Blue Cash Preferred Card from American Express
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.

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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 The Platinum Card® from American Express In-Depth

    Amex Platinum Review

    Is the Platinum Card from American Express worth the $450 annual fee? Read this in-depth review to help you decide.

    American Express Platinum Benefits

    There is no point paying the $450 annual fee for the American Express Platinum Card UNLESS you know the benefits are worth it. Read this in-depth guide to help you decide.

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

    Blue Cash Preferred

    If you are looking to get cashback rewards on common household categories like gas and groceries, consider the Blue Cash Preferred Card. American Express created the Preferred card as an upgrade to the Blue Cash Everyday.

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Compare American Express Platinum to:

Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
    Annual Fee
    Introductory annual fee of $0 for the first year, then $195
    Starwood Preferred Guest Credit Card from American Express

    Starwood Preferred Guest® Credit Card from American Express

    Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel Rewards
      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      N/AN/A
      15.49% - 19.49% variable
      Annual Fee
      $0 introductory annual fee for the first year, then $95
      Chase Sapphire Preferred Card

      Chase Sapphire Preferred® Card

        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        N/AN/A
        16.24% - 23.24% Variable
        Annual Fee
        Introductory Annual Fee of $0 the first year, then $95

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        Compare Blue Cash Preferred to:

        Blue Cash Everyday Card from American Express
        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% for 12 months
        0% for 12 months
        13.24% - 23.24% Variable
        $0

        The Amex EveryDay Preferred Credit Card from American Express
        Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsGas RewardsGrocery Rewards$0 Fraud Liability
        Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
        0% for 12 months
        0% for 12 months
        13.24% - 23.24% Variable
        $95

        Cash Back Credit Cards 2015

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