AmEx Gold vs. Blue Cash Preference: Gold Comes First - NerdWallet (2023)

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If you choose betweenGold American Express® Cardand theTarjeta Blue Cash Preferred® van American ExpressYou probably have a significant grocery budget and want to be rewarded for it. The truth is that both cards go together.The best credit cards for groceriesbecause of the high premium rates in supermarkets.

However, if you want to use travel rewards, you'll get the most benefit from AmEx Gold. You can quickly earn points for spending on food and groceries, and when you transfer those points to travel partners, your redemption value will increase.

Tarjeta Blue Cash Preferred® van American Expresshowever, he is by no means a fool. Many people will benefit from this card as long as it fits their spending and redemption preferences. And if you don't want to use your rewards to travel, this is probably the card for you.

Here's how to choose between these two American Express cards.

" FURTHER:How to choose a rewards credit card


Gold American Express® Card

Tarjeta Blue Cash Preferred® van American Express

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NerdWallet Review

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annual quota

250 $.

$0 initial fee for the first year, $95 thereafter.

Bonuses on registration

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new card within the first 6 months of your card membership. The terms and conditions.

Get $250 in credit after spending $3,000 on purchases with your new card in the first 6 months. The terms and conditions.


  • 4X points in restaurants around the world.

  • 4X points at US supermarkets for purchases up to $25,000.

  • 3X points on the fare of a scheduled flight charged directly to passenger airlines and charged directly to

  • 1X points for everything else.

  • The terms and conditions.

  • 6% cashback in US supermarkets on purchases up to $6,000 per year (1% then).

  • 6% cashback on select US streaming subscriptions.

  • 3% cashback on gas stations and public transportation in the US.

  • 1% cashback on everything else.

  • The terms and conditions.



0% intro APR for 12 months on purchases and balance transfers, then 18.99% rolling APR to 29.99% variable APR.

Additional benefits

  • $120 dining credit. (Registration required.)

  • Up to $120 Uber Cash credit.

  • The terms and conditions.

  • $120 Equinox + credit.

  • $84 Disney package credit.

  • The terms and conditions.

becauseGold American Express® Cardis better

Food related rewards and benefits

Households that spend a lot on groceries andto go out for dinneryou can get more rewards with itGold American Express® Card.

Yes, AmEx Gold only earns four times as many points at US supermarkets compared to Blue Cash's 6% rate. However, the limit on that premium rate is significantly higher, up to $25,000, than Blue Cash's $6,000 annual limit. Many households easily spend more than $6,000 a year on groceries and probably want toGold American Express® Cardto avoid a paltry 1% tax rate on all expenses over the $6,000 annual limit. The terms and conditions.

HeGold American Express® Cardit is the best card for people who also spend part of their budget in restaurants. Restaurant expenses including takeout and delivery earn quadruple points with AmEx Gold; with theTarjeta Blue Cash Preferred® van American Express, Food yields only 1%. The terms and conditions.

Here is an overview of the highest earning potential of theGold American Express® Cardbased on spending $4,000 in supermarkets in the US and $4,000 in restaurants.


fair redemption value

Total value of rewards

Annual contribution for the first year

net profit

Gold American Express® Card

$4,000 (supermarkets) at 4X = 16,000.

$4,000 (food) at 4X = 16,000.

Total membership rewards: 32,000.

2 cent.

640 $.

250 $.

390 $.

Tarjeta Blue Cash Preferred® van American Express

$4,000 (supermarkets) at 6% = $240.

$4,000 (food) at 1% = $40.

Total Rewards Dollars: $280.

1 cent

280 $.

$0 initial fee for the first year, $95 thereafter.

$280 ($185 each additional year).

Gold American Express® CardCardholders also receive up to $120 in annual dining credit, spent in $10 monthly increments, when they make a qualifying purchase. Registration is required. GrubHub orders and purchases at The Cheesecake Factory, Goldbelly,, Milk Bar, and select Shake Shack locations are eligible for meal credit. The terms and conditions.

🤓Nerd advice

HeGold American Express® CardUp to $120 in annual Uber Cash credits, spent in $10 monthly increments, applies to UberEats orders and rides. To receive the credit, you must add the AmEx Gold card as a payment method in the Uber app.

" FURTHER:No Coupon Required - Reduce grocery bills with credit cards

Valuable travel rewards are redeemed

If you are interested in financing all or part of your travel expenses with credit card points, theGold American Express® Cardis the clear winner of thatTarjeta Blue Cash Preferred® van American Express.

shopping with himTarjeta Blue Cash Preferred® van American ExpressEarn reward dollars that can only be redeemed for statement credits. However, every blow is theGold American Express® Cardearn American Express's home currency,Membership Rewards, which have a higher value when redeemed for travel.

NerdWallet values ​​membership rewards2cent each. This is a base value determined based on actual data, not a maximum value. In other words, you should focus on redeeming rewards that offer an appropriate offer.2Get at least a penny from your American Express membership rewards.

However, to get this higher value, you need to transfer your points toAmEx Travel Partners. It can be challenging to figure out which partners offer the best value and which even offer flights or hotels that fit your travel plans and have rewards available.

If you'd rather not go through the complex (yet rewarding) process of switching travel partners to redeem an award, this may not be the best option.

" FURTHER:What is the value of AmEx Membership Rewards points?

who would rather have thatTarjeta Blue Cash Preferred® van American Express

Best Redeem Value

As mentioned above, Reward Dollars are earned on Reward Dollars earnedTarjeta Blue Cash Preferred® van American Expressit can only be redeemed for statement credits, reducing your total balance. However, this option may suffice for those who simply want cash reimbursement for their day-to-day expenses.Gold American Express® CardMembers can also redeem their Membership Rewards for statement credit, but the redemption rate is only 0.6 cents per point.

Let's look at an example where $1,000 was spent in US supermarkets. Get a $60 statement credit when you pay with theTarjeta Blue Cash Preferred® van American Expressbut only a $24 credit if you used AmEx Gold for the same purchases. The terms and conditions.

" VER:The best cashback credit cards

Annual food expenditures are less than $6,000

According to the Bureau of Labor Statistics, Americans spent an average of $5,259 on groceries in 2021. If that number is close to what your family spends at the grocery store, then…Tarjeta Blue Cash Preferred® van American Expressis probably the best option for you. You can spend freely knowing that you get most, if not all, of your grocery spending at 6%. Spending $5,000 a year on US supermarkets at 6% interest would result in $300 a year in statement credits, more than offsetting the annual Blue Cash fee. The terms and conditions.

Lowest annual fee

Some people don't want to pay high annual credit card fees, and some cards even charge hundreds of dollars a year. The higher the rate, the more conscious people are about using a card's balance and adjusting their spending to the premium structure.

Break Even met themTarjeta Blue Cash Preferred® van American Expressit should be pretty easy for most people. HeTarjeta Blue Cash Preferred® van American ExpressWaiving annual dues for the first year. After that, you only need to spend $1,600 a year on groceries to beat the card's annual fee. The terms and conditions.

" FURTHER:Today's best free maps

Streaming Benefits

HeTarjeta Blue Cash Preferred® van American Expressearn 6% in the USstreaming services, a rate practically unrivaled by any other card. Most major streaming services such as Apple TV+, Prime Video and Spotify are eligible for the 6% discount. With AmEx Gold, streaming subscriptions earn only 1 Membership Rewards point for every $1 spent. The Terms and Conditions.

You'll save even more if you have a Disney Bundle streaming package that costs at least $12.99 per month.Tarjeta Blue Cash Preferred® van American ExpressCardholders receive a $7 credit for each month an eligible Disney package is loaded onto their credit card. The terms and conditions.

Which card should I get?

Let your redemption preferences guide your decision. If you're looking to boost your travel budget with credit card rewards and are willing to work a bit on transfer options to maximize value, this is it.Gold American Express® Cardis your winner. But if you're not interested in travel hacking, or if you already own the travel map of your choice,Tarjeta Blue Cash Preferred® van American Expressit's a great card for grocery purchases and other everyday expenses.

" FOLLOWING:Cashback vs Travel: How to Choose Credit Card Rewards


AmEx Gold vs. Blue Cash Preference: Gold Comes First - NerdWallet? ›

Blue Cash Preferred: Gold Triumphs for Travel. Even though the AmEx Gold earns less at U.S. supermarkets than the Blue Cash Preferred, its high-value travel redemption options make it the superior pick. Jae Bratton is a writer for the credit cards team at NerdWallet.

Should I have both Amex Gold and Chase Sapphire Preferred? ›

In some cases, it could be worth getting both the card_name and the card_name. If you travel frequently, want the Chase Sapphire Preferred's travel protections and also want to earn maximum rewards on groceries and dining, consider getting both cards.

Should I upgrade to Amex Blue Cash Preferred? ›

Is Blue Cash Preferred worth it? Yes, Blue Cash Preferred is worth it for cardholders who spend enough to recoup the value of the card's $95 annual fee (charged from the second year on) in rewards earnings. The easiest way to do that is by spending $3,000 within 6 months of opening an account.

Is Blue Cash Preferred hard to get? ›

Yes, Blue Cash Preferred is hard to get because it requires a credit score of 700+ for approval, which means you need good to excellent credit to get this card. Since the average credit score is lower than this requirement, most people will not be able to get the Blue Cash Preferred card.

Is Amex Gold a top tier card? ›

The Amex Gold Card is a mid-tier card with price point to match which places it a notch below a true premium card, like The Platinum Card® from American Express which carries a $695 annual fee to match its long list of perks (terms apply, see rates & fees).

Is it worth it to have Amex Gold and CSP? ›

Both the Chase Sapphire Preferred and Amex Gold cards are excellent mid-tier cards, offering terrific earning rates, solid benefits and affordable annual fees.

Is it worth having both Amex and Chase? ›

For high-spending frequent travelers who can justify the cost, having both the American Express Platinum card and Chase Sapphire Reserve can be well worth it. The benefits will help offset each card's enormous annual fee if used regularly.

Can I downgrade my Amex Gold to Blue Cash Preferred? ›

American Express cards can only be downgraded to the same type of card, based on what kind of rewards you can get and whether it requires you to pay the full balance each month or not. For Amex Gold card, the only lower-tier option is the Amex Green card.

Is Amex Gold better than Blue cash? ›

Blue Cash Preferred: Gold Triumphs for Travel. Even though the AmEx Gold earns less at U.S. supermarkets than the Blue Cash Preferred, its high-value travel redemption options make it the superior pick. Jae Bratton is a writer for the credit cards team at NerdWallet.

Can I upgrade Amex Blue Cash Preferred to Amex Gold? ›

You can't upgrade the Amex Blue Cash Preferred card to the Amex Gold card as they are not in the same family of cards. If you want to add the Amex Gold card to your wallet, you need to submit an application for it.

Is Amex Blue Cash prestigious? ›

Yes, the Blue Cash Preferred® Card from American Express is a prestigious card, since it offers a lucrative rewards program as well as the status of the Amex brand. Both the Blue Cash Preferred card and the Amex Blue Cash Everyday card require good credit and rank among the best Amex cards.

What is the grocery cap for Blue Cash Preferred? ›

The best way to use the Blue Cash Preferred card is to max out the 6% cash back on supermarket purchases, up to the $6,000 annual cap.

What is the highest credit limit for American Express? ›

Delta SkyMiles® Gold American Express Card

Highest reported credit limit: $50,000, according to a post on the myFICO forums. Welcome offer: Earn 65,000 bonus miles after you spend $2,000 in purchases on your new card in your first six months of card membership.

Why is Amex Gold so popular? ›

American Express® Gold Card Overview

It offers generous ongoing rewards for airfare, restaurant and U.S. supermarket purchases. It also comes with hundreds of dollars worth of annual credits that can help offset dining, Uber and select hotel purchases.

What income do you need for Amex Gold? ›

American Express does not disclose a specific income requirement, but it must be enough to make payments on the card and to afford the $250 annual fee.

What lounge does Amex Gold get you? ›

No, the Amex Gold card does not offer lounge access. The Platinum Card® from American Express, on the other hand, does provide lounge access at more than 1,400 locations worldwide. Just note that the American Express Platinum card has a $695 annual fee.

Is it worth having both Amex Gold and Platinum? ›

However, these cards' earning rates and perks couldn't be more different. If you want to accelerate your earnings, maximize the benefits available each year and ensure that you're protecting as many of your expenses as possible, it makes sense to hold both the Platinum and Gold cards.

Is Chase Sapphire or Amex Gold better for travel? ›

Both card issuers offer select trip protections and travel insurance on multiple credit cards, especially premium cards aimed at travelers. For mid-tier, flexible rewards cards, the Chase Sapphire Preferred has a more comprehensive suite of travel coverage compared to the Amex Gold card.

What card complements the Amex Gold? ›

You can also maximize your Amex Gold Card by using it as part of the Amex trifecta. This trio of rewards credit cards also includes the Amex Platinum Card and The Blue Business® Plus Credit Card from American Express, both of which have complementary earning structures and perks.

What card is better than Chase Sapphire Preferred? ›

Bilt World Elite Mastercard. If you pay rent, the Bilt World Elite Mastercard® can be a better credit card than the Sapphire Preferred. Here are a few reasons why: Earn 1x on rent without credit card fees (on the first $100,000 per year)


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