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Blue Cash Preferred from American Express vs The Platinum Card from American Express
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Blue Cash Preferred from American ExpressAmerican Express | The Platinum Card from American ExpressAmerican Express |
|---|---|---|
| Rating | 4.5/5 | 4.8/5 |
| Annual Fee | $95 | $895 |
| APR | 19.49% - 28.49% | N/A (Pay Over Time: 19.49% - 28.49%) |
| Signup Bonus | $250 statement credit after spending $3,000 in 6 months | As high as 175,000 points after spending $12,000 in 6 months (offer varies by applicant) |
| Rewards Rate | 6% at U.S. supermarkets (up to $6,000/yr), 6% on select U.S. streaming, 3% on U.S. gas and transit, 1% on everything else | 5X on flights and prepaid hotels via Amex Travel, 1X on everything else |
| Credit Score | good | excellent |
| Pros | 6% at U.S. supermarkets up to $6,000/year is the highest grocery rate available 6% on streaming subscriptions 0% intro APR for 12 months on purchases and balance transfers | Centurion Lounges + Priority Pass + Delta Sky Clubs (10 visits/yr) Over $2,000 in annual credits (hotel, airline, Uber, Saks, Resy, CLEAR) 5X on flights and prepaid hotels via Amex Travel |
| Cons | $95 annual fee ($0 intro first year) $6,000 annual cap on 6% grocery earnings American Express not accepted everywhere | $895 annual fee is steep without maximizing credits 1X on most non-travel spending Charge card — balance must be paid in full (Pay Over Time available) |
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Verdict
Our Pick: The Platinum Card from American Express
With a 4.8/5 rating, the The Platinum Card from American Express edges out the Blue Cash Preferred from American Express (4.5/5). At $895/yr, the value proposition is strong. The Amex Platinum is the ultimate luxury travel card. With unmatched lounge access, 5X on flights and hotels, and over $2,000 in annual credits, it rewards frequent travelers who can put its perks to work.