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Blue Cash Preferred Card from American Express vs American Express Gold Card
Every benefit and earning rate compared in real dollars
Blue Cash Preferred Card from American Express
American Express · $95/yr fee
Total Value$325/yr
Annual Fee-$95
Net Value+$230
American Express Gold Card
American Express · $325/yr fee
Total Value$729/yr
Annual Fee-$325
Net Value+$404
American Express Gold Card wins by $174/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | Blue Cash | American Express |
|---|---|---|
| U.S. Supermarkets | 6x | 3x |
| Streaming | 6x | — |
| U.S. Restaurants | — | 4x |
| U.S. Gas Stations | 3x | — |
| Transit | 3x | — |
| Flights (direct or Amex Travel) | — | 3x |
| All other purchases | 1x | 1x |
Benefits Both Cards Share (3)
Purchase Protection
$50vs$100
Extended Warranty
$50vs$50
Car Rental Loss & Damage Insurance
$75vs$75
Only on Blue Cash Preferred (2)
Disney Streaming Credit
$120/yrStatement Credits
Return Protection
$30/yrShopping & Lifestyle
Only on American Express Gold (6)
Uber Cash Credit
$120/yrStatement Credits
Dining Credit
$120/yrStatement Credits
Resy Dining Credit
$100/yrStatement Credits
Dunkin Credit
$84/yrStatement Credits
Trip Delay Reimbursement
$30/yrInsurance & Protection
No Foreign Transaction Fees
$50/yrAccount Perks
Blue Cash Preferred Card from American Express
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American Express Gold Card
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