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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

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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.

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 NowApply Now
 

The Platinum Card® from American Express

Blue Cash Preferred® Card from American Express

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsTravel RewardsAirline RewardsPoint RewardsNo Pre-Set Spending Limit
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
 
  • Earn 40,000 Membership Rewards® points after you use your new Card to make $3,000 in purchases in your first 3 months.
  • 5X points for flights booked directly with airlines or with American Express Travel.
  • $200 Airline Fee Credit, up to $200 a year for baggage fees and more at one airline. Terms Apply.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations worldwide. Terms Apply.
  • Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status with your Platinum Card.®
  • No interest charges because you pay your balance in full each month.
  • Terms and Conditions apply.
  • See Rates & Fees
  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
  • 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. You can only earn cash back 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
 

Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 3 months.
You will receive cash back in the form of statement credits.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 40,000 Membership Rewards® points after you use your new Card to make $3,000 in purchases in your first 3 months. 
Cash Back Rewards Cash Back Rewards: Everyday Cash Back: 6% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S gas stations; 1% other purchases. Terms and limitations apply.
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: Earn 5X points for flights booked directly with airlines or with American Express Travel. 
Point RewardsPoint Rewards: Earn 1 point for virtually every dollar spent. 
Airline StatusAirline Status: $200 Airline Fee Credit, up to $200 a year for baggage fees and more at one airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
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.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
 
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, 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

 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
  • 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 NowApply Now
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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 The Platinum Card® from American Express In-Depth


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


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

        Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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        *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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