Blue Cash Preferred vs American Express® Gold Card
Blue Cash Preferred
$95/yr
7.0/10
VS
American Express® Gold Card
$325/yr
7.5/10
Quick Answer
Blue Cash Preferred charges $95/yr with 1X base rewards. American Express® Gold Card charges $325/yr with 1X base rewards. Blue Cash Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Blue Cash Preferred →
PointsPick may earn a commission. Disclosure
Apply for American Express® Gold Card →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Blue Cash Preferred
Lower annual fee ($95 vs $325)
Rewards Earning
Blue Cash Preferred
5 earning categories
Benefits & Protection
American Express® Gold Card
6 benefits vs 4
Statement Credits
American Express® Gold Card
$240 in annual credits
Flexibility
American Express® Gold Card
Transferable points to airline/hotel partners
OUR PICK
Blue Cash Preferred wins for most people
The $230 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Cash PreferredPREMIUM PICK
American Express® Gold Card wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for American Express® Gold CardRewards Earning: Detailed Comparison
Blue Cash Preferred
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
American Express® Gold Card
| Dining | 4.0X |
| U.S. Supermarkets | 4.0X (up to $25,000) |
| Flights | 3.0X |
| Everything Else | 1.0X |
Card Benefits: Detailed Comparison
Blue Cash Preferred (4 benefits)
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
American Express® Gold Card (6 benefits)
- Trip Delay Insurance (up to $500)
- Baggage Insurance Plan
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)