Comparison of Amex Blue Cash Everyday Card and Amex Gold Card in Detail
American Express Blue Cash Everyday Card and American Express Gold Card Compared
In the world of credit cards, two standout options from American Express are the Blue Cash Everyday Card and the Gold Card. Each card offers unique rewards and benefits, catering to different spending habits.
The American Express Blue Cash Everyday Card is a straightforward choice for those with a focus on supermarkets, gas, and online retail purchases. It earns 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back at U.S. gas stations (also capped at $6,000 annually, then 1%), and 3% cash back on U.S. online retailers.
On the other hand, the American Express Gold Card is designed for food enthusiasts and frequent travellers. It earns 4X Membership Rewards points at U.S. supermarkets (up to $25,000 per year, then 1X points), 4X points at restaurants worldwide (up to $50,000 per year, then 1X), but only 1X points on gas stations and U.S. online retailers.
Here's a comparison of the rewards structure:
| Category | Blue Cash Everyday Card | American Express Gold Card | |-------------------|-------------------------------------------|-----------------------------------------| | U.S. Supermarkets | 3% cash back (up to $6,000/yr, then 1%) | 4X points (up to $25,000/yr, then 1X) | | U.S. Gas Stations | 3% cash back (up to $6,000/yr, then 1%) | 1X points | | Restaurants | 1% cash back | 4X points (up to $50,000/yr, then 1X) | | U.S. Online Retailers | 3% cash back | 1X points |
The Blue Cash Everyday card offers better cash-back on supermarkets, gas, and U.S. online retail purchases (with moderate annual caps), while the Amex Gold excels with higher rewards on supermarkets (with a much higher cap) and significantly higher rewards on restaurants.
In addition to the rewards, the Gold card offers a variety of benefits. These include secondary car rental insurance, no foreign transaction fees, $10 each month in Uber Cash, up to $120 total each year, $10 each month in dining credits, up to $120 total each year, a $100 Resy credit ($50 semi-annually), a $7 per month Dunkin' credit, up to $84 total each year, purchase protection, extended warranty, and Amex Offers (upon enrollment).
Both cards have different redemption options for rewards. The Blue Cash Everyday Card offers cash-back rewards, while the Gold card offers Membership Rewards points that can be transferred to airline and hotel partners, or redeemed for flights, travel, shopping, statement credits, and gift cards.
The Blue Cash Everyday Card offers a welcome bonus of a $200 statement credit after spending $2,000 in purchases in the first 6 months, while the American Express Gold Card may offer a welcome bonus of as high as 100,000 points after spending $6,000 in eligible purchases in the first 6 months. The Gold Card has an annual fee of $325, while the Blue Cash Everyday Card has no annual fee.
In conclusion, both the American Express Blue Cash Everyday Card and the American Express Gold Card offer unique rewards and benefits, catering to different spending habits. The Blue Cash Everyday Card is a straightforward choice for those focused on supermarkets, gas, and online retail purchases, while the Gold Card is designed for food enthusiasts and frequent travellers, offering higher rewards on supermarkets and restaurants, and a variety of additional benefits.
- In the realm of credit cards, American Express provides two standout options: the Blue Cash Everyday Card and the Gold Card, each offering distinct rewards for different spending habits.
- The American Express Blue Cash Everyday Card excels in rewards for supermarkets, gas, and online retail purchases, offering 3% cash back, but with annual caps.
- Conversely, the American Express Gold Card caters to food enthusiasts and frequent travelers, granting 4X Membership Rewards points on supermarkets (with a higher cap) and significantly higher rewards on restaurants.
- Beyond the rewards structure, the Gold card provides additional benefits, such as secondary car rental insurance, up to $120 in Uber Cash and dining credits, and transferable Membership Rewards points for travel or shopping.
- The Blue Cash Everyday Card and the Gold Card each have different redemption options: the Blue Cash Everyday Card offers cash-back rewards, while the Gold card offers Membership Rewards points.
- Both cards offer welcome bonuses, with the Gold Card reaching as high as 100,000 points, but varying annual fees: the Blue Cash Everyday Card has no annual fee, while the Gold Card has an annual fee of $325.
