Credit Cards » Compare Credit Cards » Amex Blue Cash Preferred vs. Amex Gold: Which One Gives You More?
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Amex Blue Cash Preferred vs. Amex Gold: Which One Gives You More?

While the Amex Gold Card is more expensive than the Blue Cash Preferred, its rewards program and other benefits are more lucrative.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

American Express offers a diverse array of options to suit various financial needs and lifestyles. Two popular choices among consumers are The Blue Cash Preferred® Card from American Express and the American Express® Gold Card. These two cards cater to different preferences and spending habits, making it essential to weigh their respective benefits and features.

In this comprehensive comparison, we will delve into the distinctive advantages and drawbacks of each card, helping you make an informed decision about which American Express credit card aligns best with your financial goals and lifestyle.

Blue Cash Preferred vs. Amex Gold: General Comparison

If you prioritize cashback rewards for everyday expenses, the Blue Cash Preferred may be the better option. On the other hand, if you're a frequent traveler and dine out frequently, the Amex Gold Card's travel and dining rewards, along with its additional perks, may offer greater value despite its higher annual fee.

AMEX Blue Cash Preferred Card review

Amex gold

Amex Blue Cash Preferred
American Express® Gold Card
Annual Fee
$95 ($0 intro for the first year). See Rates and Fees.
Rewards
6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases .Terms Apply.
4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases. Terms Apply.
Welcome bonus
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
0% Intro APR
12 months on purchases and balance transfers , then 19.24% – 29.99% Variable APR
N/A
Foreign Transaction Fee
Purchase APR
19.24% – 29.99% Variable
21.24% – 29.24% Variable
Read Review
Read Review
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Simulation: Which Card Gives More Rewards?

In terms of pure rewards rates, the Amex Blue Cash Preferred can offer higher cashback rates in specific categories like U.S. supermarkets, streaming services, and transit.

However, the Amex Gold Card provides valuable Membership Rewards points, which can be more flexible and potentially more valuable, especially if you frequently travel and dine out.

AMEX Blue Cash Preferred Card review

Amex gold

Spend Per Category
Amex Blue Cash Preferred
Amex Gold Card
$15,000 – U.S Supermarkets
$450
60,000 points
$5,000 – Restaurants
$50
20,000 points
$4,000 – Airline
$40
12,000 points
$3,000 – Hotels
$30
3,000 points
$4,000 – Gas
$120
4,000 points
Estimated Annual Value
$690
99,000 points ($600 – $1,600)

Additional Benefits: Blue Cash Preferred vs. Amex Gold

There are some additional types of perks that you will see with both of these cards.

Amex Blue Cash Preferred

AMEX Blue Cash Preferred Card review

  • Equinox+ Credit: When you use your Blue Cash Preferred credit card to pay for your Equinox+, you’ll receive $10 a month in statement credit. Terms Apply.
  • Additional Car Rental Insurance: When you use your Blue Cash Preferred card to reserve and pay for your car rental, you’ll receive additional car rental loss, damage, and theft insurance.
  • Purchase Return Protection: You can enjoy return protection on eligible items with up to $300 per item and a cap of $1,000 per year. You must make your purchases with your card and negotiate with the seller first.
  • Exclusive Ticket Presale Access: Via American Express Experiences, you can obtain exclusive access to card member only events and ticket presales for concerts, sporting events, shows, and family events. Terms Apply.
  • Disney Bundle Credit: Earn an $84 Disney Bundle Credit by receiving a monthly $7 statement credit when you use your enrolled Blue Cash Preferred® Card to make monthly subscription payments of $9.99 or more. 

Terms apply to American Express benefits and offers.

American Express Gold Card

Amex gold

  • Get up to $120 Uber Credit: Connect your Amex Gold Card to your Uber account for a monthly $10 Uber Cash bonus. Use it for Uber rides or UberEats orders, with a maximum yearly value of $120.
  • Up to $120 Dining Credit: Elevate your dining with the Amex Gold Card. Get up to $10 in statement credit monthly when dining at places like The Cheesecake Factory, Wine.com, Goldbelly, Shake Shack, and Milk Bar.
  • Score $100 Experience Credit: Book The Hotel Collection through Amex Travel for a getaway of at least two nights and get a $100 experience credit. The value varies based on your chosen property.
  • Amex Entertainment: Dive into exclusive experiences and get presale tickets for concerts, sports, and theater events through the Amex Gold Card Entertainment Access program. Availability varies.
Amex membership Experience event
(Screenshot from American Express app)
  • Travel Easy with Global Entry or TSA PreCheck® Credit: Get up to $100 for Global Entry or up to $85 for TSA PreCheck to breeze through airport security.
  • Luxury Hotel Perks: Enjoy premium stays with the Amex Fine Hotels & Resorts program. Get perks like room upgrades, complimentary nights, and daily breakfast for two at participating hotels.
  • Top-Notch Concierge Service: Access the Amex Gold Card's concierge service for help with travel and dining reservations, though availability may limit its ability to fulfill all requests.

Terms apply to American Express benefits and offers.

Main Drawbacks: Comparison

Amex Blue Cash Preferred

AMEX Blue Cash Preferred Card review

The Amex Blue Cash Preferred primarily focuses on cashback rewards for specific categories like U.S. supermarkets, streaming services, and transit. If your spending habits don't align with these categories, you may miss out on maximizing your rewards.

 The 6% cashback rate on U.S. supermarkets is limited to the first $6,000 in purchases per year, after which it drops to 1%. This limit can be a drawback if you consistently spend more than $6,000 annually on groceries.

While the Blue Cash Preferred offers cashback, the American Express Gold Card provides Membership Rewards points that can be transferred to airline and hotel loyalty programs, potentially yielding higher value for travelers.

American Express Gold Card

Amex gold

The American Express Gold Card comes with a higher annual fee compared to the Blue Cash Preferred. The annual fee can be a significant drawback for those who are looking to minimize their card ownership costs.

Unlike the Blue Cash Preferred, the American Express Gold Card doesn't provide cashback rewards but offers Membership Rewards points. If you prefer straightforward cashback rewards over points or do not frequently dine out or travel, this card may not be the best fit.

Amex membership find hotels
Redeem Amex gold points for travel (Screenshot taken by our team from American Express app)

The Gold Card is more oriented toward dining and travel, which means it may not provide as much value for everyday expenses like groceries and gas when compared to the Blue Cash Preferred.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer the Blue Cash Preferred?

You may prefer the American Express Blue Cash Preferred over the American Express Gold Card in the following situations:

  • You Want Straightforward Cashback Rewards: If you prefer the simplicity of cashback rewards cards over points and want to maximize savings on everyday expenses like groceries, streaming services, and transit, the Blue Cash Preferred is an excellent choice. Its cashback categories cater to these specific spending habits.
  • You Have High Grocery Spending: The Blue Cash Preferred's high cashback rate on U.S. supermarket purchases makes it ideal for individuals or families with significant grocery expenses. If you spend a lot on groceries, this card can help you earn substantial cashback.
  • You Want to Avoid a High Annual Fee: The Blue Cash Preferred typically has a lower annual fee compared to the Gold Card. If you're looking to minimize your card ownership costs and still earn valuable rewards, this card may be more budget-friendly.
  • You Don't Travel Frequently: If you're not a frequent traveler and don't dine out often, the Gold Card's travel and dining rewards may not provide as much value. In such cases, the Blue Cash Preferred, with its focus on everyday spending, may be a better fit for your lifestyle.
The Blue Cash Preferred Card from American Express
The Blue Cash Preferred Card from American Express. Unsecured card with everyday spending benefits. (Photo by photobyphotoboy/Shutterstock)

When You Might Prefer The Amex Gold Card?

You may prefer the American Express Gold Card over the Amex Blue Cash Preferred in the following situations:

  • You're a Frequent Traveler: The American Express Gold Card offers strong rewards for travel-related expenses, including points on dining worldwide and flights booked directly with airlines or on amextravel.com. If you travel frequently and dine out often, the Gold Card is among the best affordable travel rewards cards.
  • You Value Flexible Redemption Options: Membership Rewards points earned with the Gold Card can be transferred to various airline and hotel loyalty programs, potentially yielding higher value when used strategically. If you prefer the flexibility of points that can be redeemed for travel, the Gold Card is a better choice.
  • You Enjoy Dining Out: The Gold Card's 4X points on dining worldwide can be highly lucrative if you frequently dine at restaurants. This benefit extends beyond just U.S. dining, making it suitable for international travelers.
  • You're Interested in Luxury Hotels: If you plan to stay at luxury hotels and resorts, the Gold Card's access to The Hotel Collection and its associated benefits, including a $100 experience credit, can enhance your stay and make it more cost-effective.

Compare The Alternatives

If you're looking for a credit card with everyday purchase rewards or travel rewards – there are some excellent alternatives you may want to consider:

American express everyday card review 2021

Chase Freedom Flex

citi double cash

American Express EveryDay® Card
Chase Freedom Flex℠ Card
Citi® Double Cash Card
Annual Fee
$0 . See Fees & Rates
$0
$0
Rewards
1X – 2X 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
1-5% 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
1% – 2% 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
Welcome bonus
10,000 points 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
$200 $200 bonus after you spend $500 on purchases in the first 3 months from account opening
$200 $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
Foreign Transaction Fee
2.7%
3%
3%
Purchase APR
18.24% – 28.24% Variable
20.49%–29.24% variable
19.24% – 29.24% (Variable)

Compare Amex Blue Cash Preferred

In terms of cashback rates, the Blue Cash Preferred is a clear winner. But is it still apply if you're a high spender?

Here's our analysis: Amex Blue Cash Preferred vs Chase Freedom Unlimited

Cash back or Amex membership rewards? Annual fee with higher rewards or no annual fee? Here's our full analysis – which is better for you?

Amex Everyday® Card vs Blue Cash Preferred® Card from American Express

When it comes to travel benefits, there is a clear winner. But what about if you're looking for rewards on everyday spending?

Amex Blue Cash Preferred vs Chase Sapphire Preferred

The Citi Custom cash offers high cashback on your preferred category, but it's very limited in rewards compared to the Blue Cash Preferred.

Amex Blue Cash Preferred vs. Citi Custom Cash Card

If you can maximize supermarket benefits, the Amex Blue Cash Preferred may be more suitable than the Everyday card despite the annual fee.

American Express Blue Cash Everyday vs. Preferred: Side By Side Comparison

Compare American Express Gold Card

If you're looking for everyday spending rewards, the Amex Gold Card offers more. But for travel rewards benefits, there is a clear winner.

American Express Gold Card vs. American Express Platinum

The Amex Gold Card may be more appealing if you dine out frequently and value premium travel perks than the Apple card.

Apple Card vs. Amex Gold: Which Card Is Best?

The Autograph is great for travelers who want to stay on budget, while Amex Gold provides premium travel benefits and redemption options.

Wells Fargo Autograph Vs. Amex Gold Card: Which Is Best?

If you're a dedicated Delta traveler, the Delta SkyMiles Gold may be your top pick, while the Amex Gold offers a broader range of benefits.

Delta SkyMiles Gold Card vs. Amex Gold: Which Card Wins?

While Amex Gold Card offers statements credits and everyday spending benefits, the Venture card is cheaper and include decent travel perks.

Capital One Venture vs. Amex Gold Card: How They Compare?

The Venture X offers better travel rewards than the Amex Gold but is less appealing if you're looking for everyday spending rewards.

Amex Gold Card vs. Capital One Venture X : Which Premium Card Is Best?

The Amex Gold Card focused on everyday spending and general travel rewards, the Delta SkyMiles Reserve Card offer premium airline benefits.

Amex Gold Card vs. Delta SkyMiles Reserve: Side By Side Comparison

The Freedom Unlimited beckons with its cash-back rewards, but the Amex Gold exudes luxury, boasting robust rewards on dining and groceries.

Chase Freedom Unlimited vs. Amex Gold Card: Which Card Wins?

The Amex Gold Card focuses on everyday spending rewards, while the Delta SkyMiles Platinum is tailored for frequent Delta travelers.

Amex Gold Card vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Honors Surpass wins at estimated cashback, while the Amex Gold card is the winner for everyday spending and extra benefits.

Amex Gold Card vs. Hilton Honors Surpass: How They Compare?

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Premium Card Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison.

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

  • Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Search
Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.