CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Blue Cash Preferred® Card from American Express vs Premier Rewards Gold 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)

Blue Cash Preferred is an excellent cash back credit card for families. How does it compare to Premier Rewards Gold Card from American Express, a points charge card? Read our comparison chart below.

Keep in mind, the Blue Cash Preferred has a $95 annual fee, while the Premier Rewards Gold Card has a Introductory annual fee of $0 for the first year, then $195.

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

 Blue Cash Preferred Card from American ExpressPremier Rewards Gold Card from American Express
 Apply NowApply Now
 

Blue Cash Preferred® Card from American Express

Premier Rewards Gold Card from American Express

 Personal Credit CardPersonal Charge Card
 
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas RewardsGrocery Rewards
 
  • $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 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on Purchases for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 12 monthsN/A
Purchase APR14.24% to 25.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR14.24% to 25.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual Fee$95 annual feeIntroductory annual fee of $0 for the first year, then $195
 

Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory 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 Points Introductory Bonus Reward Points: Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Cash Back RewardsCash 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 Rewards Airline Rewards: Earn 3X points for flights booked directly with airlines.
Point Rewards Point Rewards: 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
Airline Status Airline Status: $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
Gas RewardsGas Rewards: 3% cash back at U.S. gas stations.Gas Rewards: Earn 2X points at US gas stations.
Grocery RewardsGrocery 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.Grocery Rewards: Earn 2X points at US supermarkets.
Dining Rewards Dining Rewards: Earn 2X points at US restaurants.
Airline Transfer Partners Airline 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

 Blue Cash Preferred Card from American ExpressPremier Rewards Gold Card from American Express
Pros & ConsPros:
  • 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
Pros:
  • Promotional points offer
  • Airline fee credit
  • 3x points for flights booked directly with airlines. Terms Apply.
Cons:
  • $0 Intro Annual Fee for the 1st year, then $195
Bottom LineExcellent cash back credit card for families... Read full reviewGood rewards card for cardholders who fly frequently or eat out... 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 Blue Cash Preferred® Card from American Express In-Depth


    Explore Premier Rewards Gold Card from American Express In-Depth


    You Might Also Like

      Credit Card Promotions

      American Express Credit Card Offers

      American Express now offer promotions for new credit card applicants. But how do you pick which deal is right for you? Read this in-depth guide.

      Grocery Rewards

      The right grocery credit card gives you a high percentage back for shopping at the supermarket as well as a good amount back on your other everyday purchases, like charges made at the gas pump.

      Amex EveryDay Preferred Review: Is $95 Worth It?

      If you have excellent credit and use your credit card daily, the Amex EveryDay® Preferred Credit Card from American Express is worth considering. Read this review to see why it's worth the $95 annual fee.

      Credit Card Bonus Offers

      Take advantage of credit card bonuses for new customers, including bonus cash, reward points, and airline miles.

      Credit Card Deals

      Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.
      American Express Platinum Review: Is $550 Worth It?

      American Express Platinum Review: Is $550 Worth It?

      Is the Platinum Card® from American Express worth the $550 annual fee? Read this in-depth review to help you decide.

      Disclaimer: The information for the The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


    Compare Blue Cash Preferred to:

    Blue Cash Everyday

    Blue Cash Everyday® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 15 months
    0% on Balance Transfers for 15 months
    14.24% - 25.24% Variable
    Annual Fee
    $0
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.24% - 24.24% Variable
    Annual Fee
    $0 Intro for the First Year, then $95
    Amex EveryDay

    The Amex EveryDay® Credit Card from American Express

    Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on Purchases for 12 months
    0% on Balance Transfers for 12 months
    14.24% - 24.24% Variable
    Annual Fee
    $0

    You might also be interested in

    Infographics: Where Does All My Money Go

    Household Spending Statistics

    Where does all the money go? See what typical Americans make and spend in a month.

    Compare Premier Rewards Gold Card to:

    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    Starwood Preferred Guest

    Starwood Preferred Guest® Credit Card from American Express

    Introductory Bonus Hotel RewardsTravel RewardsAirline RewardsBonus Airline Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    16.49% - 20.49% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95
    Gold Delta SkyMiles

    Gold Delta SkyMiles® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended Warranty
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    16.99% - 25.99% Variable
    Annual Fee
    $0 introductory annual fee for the first year, then $95


    About CreditDonkey®
    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.

    †Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

    *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.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.