Transferring the Amex Blue Cash Preferred Card to the Amex Gold Card in 2025 Possible?
For individuals with a penchant for food and travel, choosing between the Amex Gold Card and the Amex Blue Cash Preferred Card can be a challenging decision. Let's break down the key features of each card to help you make an informed choice.
Amex Gold Card
The Amex Gold Card is designed for frequent travelers who spend heavily on dining and supermarkets. This card earns 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year) and 4X points at restaurants, plus 3X points on flights booked directly or via Amex Travel. These points can be redeemed flexibly for travel, statement credits, gift cards, or transferred to travel partners for potentially higher value.
The Amex Gold Card comes with travel and dining credits, such as Uber Cash, dining statement credits, hotel credits, and other lifestyle perks. However, it charges a $325 annual fee.
Amex Blue Cash Preferred Card
The Amex Blue Cash Preferred Card offers straightforward cash-back rewards, which may appeal to those preferring cash over points. It has an excellent 6% cash back on up to $6,000 spent annually at U.S. supermarkets, 6% on select U.S. streaming services, and 3% cash back on transit and gas. Travel purchases get only 1% back. This card has a lower $95 annual fee after the first free year and no travel-specific perks.
Comparison Table
| Feature / Benefit | Amex Gold Card | Amex Blue Cash Preferred Card | |-------------------------------|-------------------------------------------------------|----------------------------------------------------| | Rewards on groceries | 4X Membership Rewards points (up to $25,000/year) | 6% cash back on up to $6,000/year | | Rewards on dining | 4X points at restaurants | 1% cash back | | Rewards on travel | 3X points on flights and travel bookings | 1% cash back | | Rewards on transit/gas | 1X point | 3% cash back | | Streaming services cash back | None | 6% cash back on select streaming | | Annual fee | $325 | $0 intro for first year, then $95 | | Travel/lifestyle perks | Uber Cash, dining credits, hotel credits | None | | Reward type | Flexible Membership Rewards points (can transfer to travel partners, redeem for travel/gift cards/statement credit) | Cash back redeemable as statement credit or at Amazon |
Bottom Line
If you are a frequent traveler who spends a lot on dining and supermarkets and values flexible travel redemption and perks, the Amex Gold Card provides higher long-term value despite its higher fee. On the other hand, if you prefer straightforward cash back, especially on groceries, streaming, and transit, and want a lower fee, the Blue Cash Preferred is likely a better fit.
Both the Amex Blue Cash Preferred card and the Amex Gold card are top-notch options for American Express cards. The Amex Gold card offers additional benefits such as Dunkin' Credit, dining credits, hotel credits, and travel protections. To add the Amex Gold card to your wallet, you need to apply for the Amex Gold card outright and cancel your Amex Blue Cash Preferred card, or keep both cards open.
[1] Amex Gold Card Details [2] Amex Blue Cash Preferred Card Details [3] Amex Gold Card Benefits [4] Amex Blue Cash Preferred Card Benefits [5] Amex Blue Cash Preferred Card Rewards
- For individuals interested in both food and travel, the newsworthy comparison between the Amex Gold Card and the Amex Blue Cash Preferred Card could significantly impact their personal-finance decisions.
- In the industry, the Amex Gold Card stands out due to its lifestyle perks, such as dining credits and hotel benefits, making it an attractive option for those who enjoy fine dining and luxury travel, though it carries a higher finance cost with its $325 annual fee.
- The Amex Blue Cash Preferred Card, on the other hand, offers straightforward finance benefits, including 6% cash back on groceries, streaming services, and transit, making it an appealing choice for those who prefer a more straightforward personal-finance approach, and it has a lower annual fee of $95 after the first free year.
- In the banking-and-insurance sector, these cards showcase two distinct paths for both leisure and finance management – the Amex Gold Card with its flexible Membership Rewards points structure and diverse travel perks, and the Amex Blue Cash Preferred Card with its straightforward cash-back rewards, which cater to different lifestyle preferences.
- When considering investing in a credit card that suits your travel, food, and personal-finance needs, it's essential to evaluate the key features of both the Amex Gold Card and the Amex Blue Cash Preferred Card, taking into account rewards, annual fees, and additional benefits, to ensure you're making the best decision for your lifestyle and finance goals.
