Gold Card vs Blue Cash Everyday: Which Is Actually Worth It?
Gold-Card is for restaurant diners; Blue Cash Everyday is for grocery shoppers. The supermarket earn rate is the deciding line.
Gold Card
Earns serious rewards on dining globally and US supermarkets – period.
Blue Cash Everyday
Three percent on the categories every household actually spends in. No annual fee.
Side-by-side specs
| Gold Card | Blue Cash Everyday | |
|---|---|---|
| Annual fee | $325 | $0 |
| Signup bonus | 60,000 points after $6,000 in 6 months | $200 statement credit after $2,000 in 6 months |
| APR range | See terms (charge card) | 19.24-29.99% Variable |
| Foreign tx fee | None | 2.7% |
| Credit target | good to excellent | good to excellent |
Gold Card earn rates
Blue Cash Everyday earn rates
The verdict
You eat out frequently and want 4x on restaurant dining - Blue Cash only earns 3% at supermarkets, not restaurants.
Apply at American Express →Your spending is almost entirely at U.S. supermarkets, not restaurants - Blue Cash's 3% grocery beats Gold-Card for home cooks.
Apply at American Express →Track what both cards actually earn you, WalletHub Premium syncs all your cards and monitors your credit daily.
Gold Card annual fee $325, APR See terms (charge card), signup offer 60,000 points after $6,000 in 6 months, terms as of 2026-05-06. Blue Cash Everyday annual fee $0, APR 19.24-29.99% Variable, signup offer $200 statement credit after $2,000 in 6 months, terms as of 2026-05-03. Verify current terms on the issuer's site before applying. We earn a referral fee on approved applications referred via Apply links, at no cost to you.