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Is Amex blue or gold better

You’ll also earn 4 points per dollar at U.S. supermarkets on your first $25,000 in spending per calendar year and 1 point per dollar after you meet that threshold. Though having no spending cap would be ideal, a $25,000 cap per calendar year is a generous limit, giving you a nice cushion of just over $2,000 in monthly spending at U.S. supermarkets. My family spends about $12,000 on groceries each year, so the higher $25,000 cap is attractive. However, I’m much more interested in cash back than free travel, and the Gold Card would only yield 2.4 percent cash back on groceries and dining. That’s because Membership Rewards points are worth 0.6 cents each when redeemed to cover card charges.

  • After subtracting the card’s $95 annual fee ($0 intro annual fee for the first year), the net benefit is $265.
  • Earning rewards on purchases you’re already making is an easy way to accumulate extra value, whether it’s points, miles, or even cash-back.
  • The American Express Gold card has a $250 annual fee while the Platinum card has $695 annual fee as of 2023.
  • Or, I can receive $20 in cash back for spending $100 for groceries at an online store that I already shop at.
  • Membership Rewards can be transferred to a number of travel programs that are easily usable for U.S.-based travelers, including Delta SkyMiles, British Airways Executive Club, AirFrance/KLM Flying Blue, and Virgin Atlantic Flying Club.

If you’re looking for simplicity, it doesn’t get easier than redeeming cash-back in the form of a statement credit. However, the advantages of earning Membership Rewards points include the option to receive higher value by transferring points to travel partners.

Zync From American Express®

The cash-back earned each statement period is deposited into your Reward Dollars account, and once you have accumulated $25 in earnings, you can redeem your rewards for cash back, gift cards, or use for shopping. Join us as we look closer at these 2 everyday earning cards to uncover which fits your idea of the perfect match-up for your spending habits.

Both of these cards are good choices for businesses that spend on a variety of different purchases. The Business Gold has a wide selection of bonus categories, and the BBP earns for everything you buy. So the amount you spend will likely matter the most (unless you rarely spend in the Business Gold’s categories; then it’s probably not for you). With the Amex Gold Card, you can earn 4x points at U.S. supermarkets (on up to $25,000 in purchases per year, then 1x). The Amex Gold Card also comes with more features, such as a monthly dining credit. The Amex Blue Cash Preferred and the Blue Cash Everyday® Card from American Express are both cash-back cards, but they differ when it comes to bonus categories, rewards amounts, and annual fees.

That said, the value of the card’s welcome offer can offset the annual fee for the first two years and then some. If earning points isn’t for you – or you want to expand the ways you can earn Credit Card benefits – American Express offers three Cards that earn you cash back on all eligible purchases. Instead of earning points that you can then redeem for a number of options, cash back can be redeemed for statement credits – effectively earning you a discount on every purchase. Each Card has different potential bonus categories, outlined below, so you can find the right cash back Card to match your spending habits.

Blue Cash Preferred Annual Fee And Other Costs

While not as strong as some of our other favorite cards, the Amex Gold Card is a great card to use for flights if you don’t have a more premium travel card in your wallet. Its 3-point-per-dollar earning rate on flights booked directly through the airline or on Amex Travel is substantial. That’s because, besides restaurants, the card also earns 4 points per dollar spent at U.S. supermarkets on up to $25,000 in purchases per calendar year (it earns 1 point per dollar thereafter). Therefore, you should definitely use the card for your next supermarket run, as it tops our list of the best cards for groceries. The Amex Gold isn’t the only card to offer a bonus category on dining, but it might just be one of the most valuable. Cardmembers earn 4 Membership Rewards points per dollar spent, which equates to an 8% return on spending, according to the latest TPG valuation.

There’s no credits to make up for the annual fee, but the high earning rates will more than make up for it if you make use of them. The annual fee of the AMEX Gold is significantly higher than the Blue Cash Preferred, but the $240 in annual credits, high earning rates, and valuable points can easily offset the cost. A welcome bonus offer alone is never a good reason to apply for a new credit card, but it never hurts.

The American Express Gold Card earns membership rewards points with bonus categories where you can maximize what you earn. These categories are an opportunity to take advantage of if you know where you do most of your spending. It offers a great welcome bonus that can help kick start your rewards earnings along with some great included benefits as well. Earning 6% cash back at U.S. supermarkets is an extremely generous earning rate for an everyday category and is one of the highest ongoing rates for cash-back earnings in this category. If you reach the spending cap of $6,000 at U.S. supermarkets, you’ll maximize this benefit and earn $360 in cash back, which more than justifies the Blue Cash Preferred’s $0 intro annual fee for the first year, then $95 annual fee.

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If you’re an avid traveler and restaurant-goer, these three “classic” American Express Cards were designed to meet your needs. [newline]Regular travelers looking to earn Delta SkyMiles way may like either the Delta SkyMiles® Blue American Express Card or Delta SkyMiles® Gold American Express Card. MoneyGeek compared both American Express miles rewards credit cards to help you find the best option. Some of these benefits include credits that will kick in when you spend in certain categories which can help offset the annual fee that comes with the card. The Amex Gold Card has a 60,000 point welcome bonus that can be a great start to your rewards balance. After that you earn 4x membership rewards points at restaurants (including takeout and delivery) as well as U.S. supermarkets (up to $25,000 per calendar year then 1 x points).