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

American Express® Blue Cash Preferred® CardAmerican Express® Blue Cash Preferred® Card

American Express

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American Express® Gold CardAmerican Express® Gold Card

American Express

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Annual Fee
$95
$325
Card Type
Personal
Personal
Rewards Currency
Cash Back
Membership Rewards
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$250 after $3,000 in 180 days
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)

Effective return by category

CategoryAmerican Express® Blue Cash Preferred® CardAmerican Express® Gold Card
Dining & Restaurants1.00%
1x
8.00%
4x
Groceries6.00%
6x · $6,000 cap
8.00%
4x · $25,000 cap
Travel1.00%
1x
6.00%
3x
Select Streaming6.00%
6x
2.00%
1x
Gas Stations3.00%
3x
2.00%
1x
Streaming Services1.00%
1x
2.00%
1x
Everything else1.00%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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