American Express offers several credit cards with varying rewards and benefits. Two popular options are the American Express® Gold Card and Amex EveryDay® Credit Card.
The Amex Gold is a great card for earning points at restaurants, U.S. supermarkets, and flights booked directly with airlines. Cardholders can also enjoy up to $424 in annual credits and nice travel and purchase protections.
The Amex Everyday provides access to the Membership Rewards program without an annual fee. It offers bonus points at U.S. supermarkets and a 20% points boost for frequent use, making it a good entry-level option for travel rewards beginners.
(All information about the Amex Everyday has been collected independently by Deals Points and has not been reviewed or approved by the issuer.)
This article will compare each card based on several factors to help you make an informed decision on which card is the best to add to your wallet.Full Reviews: American Express® Gold Card and Amex EveryDay® Credit Card.
Overview: Amex Gold vs Amex Everyday
- You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- 4x Points at U.S. Supermarkets (on up to $25,000 per calendar year, then 1x points)
- 4x Points at Restaurants Worldwide (up to $50,000 per calendar year, then 1x points)
- Up to $424 in Annual Credits
- $325 Annual Fee (Rates and Fees)
- Earn 10,000 Membership Rewards® Points after Spending $2,000 in your first 6 months.
- 2X Points at U.S. Supermarkets (up to $6,000 per year)
- 20% Extra Points When You Make 20 or More Purchases
- 0% Intro APR for 15 Months (thereafter, a variable rate of 17.74% to 28.74%)
- No Annual Fee (Rates and Fees)
Welcome Bonuses
Amex Gold:
The Amex Gold currently offers the following welcome bonus:
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.Amex Everyday:
The Amex EveryDay Card currently offers the following welcome bonus:
Earn 10,000 Membership Rewards® Points after Spending $2,000 in your first 6 months.Earning Rewards
Amex Gold:
The Amex Gold earns Membership Rewards points and offers some very nice points multipliers to help you earn a lot of points:
- 4 points per dollar on dining at restaurants worldwide, on up to $50,000 in purchases per calendar year (then 1x points).
- 4 points per dollar U.S. supermarkets on up to $25,000 per calendar year (then 1x points).
- 3 points per dollar on flights booked directly from the airline or booked on AmexTravel.com.
- 2 points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- 1 point per dollar on all other eligible purchases.
Amex Everyday:
The Amex EveryDay Card earns Membership Rewards points at the following rates:
- 2 points per dollar at U.S. Supermarkets on up to $6,000 per year, then 1x points;
- 1 point per dollar on all other purchases.
You can also get a 20% points bonus each month if you use your card at least 20 times.
For example, 2x points would increase to 2.4 points per dollar and 1x points would increase to 1.2 points per dollar.
Winner:
Amex Gold is a rewards-earning powerhouse in major spending categories.
Card Benefits and Perks
Amex Gold:
The American Express Gold card offers the following benefits for its cardholders:
$120 Dining Credit: Earn up to $10 in monthly statement credits when you pay with the Amex Gold Card at participating dining partners, including Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required.
$120 in Uber Cash: Earn up to $10 in Uber Cash monthly for Uber Eats and Uber rides in the United States. You must enroll in the offer and download the latest version of the Uber App, and your eligible Amex Gold Card must be a payment method in your Uber account.
$100 Resy Credit: Get up to $50 semi-annually in statement credits after you pay with the Amex Gold to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment is required.
$84 Dunkin’ Credit: You can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin’ locations.
Up to $100 in Hotel Credits: Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
No Foreign Transaction Fees: You'll save money on every purchase while traveling internationally since this card doesn't add the typical 3% surcharge that many other cards impose.
Amex Everyday:
The Amex EveryDay Card offers the following benefits:
0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account open, then a variable APR of 18.24% to 29.24%.
90-Day Purchase Protection: Your new purchases are covered against damage and theft for 90 days when you use your card. This protection helps safeguard your eligible items right from the moment you buy them.*
Secondary Rental Car Insurance: This card provides backup protection for rental car damage or theft when you charge the full rental to your card.*
Amex Offers: As an American Express cardholder, you can access Amex Offers. These targeted, limited-time promotions provide discounts or bonus points on purchases with select merchants. Offers are added to your card, and you'll receive either a percentage or dollar amount back as a statement credit when you meet the offer terms. While offers vary and may not always align with your spending habits, this perk can be valuable when an offer matches your preferences. ShopRunner Membership: As a cardholder, you'll enjoy a complimentary ShopRunner membership, which provides free 2-day shipping and free returns at over 100 participating online retailers. This benefit can help frequent online shoppers save on shipping costs and streamline the return process. * Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.Winner:
Amex Gold since the Amex Everyday lacks any major benefits.
Value of the Annual Fees
Amex Gold:
The American Express Gold has a $325 annual fee (rates and fees), which is offset by up to $424 in annual credits, trip and purchase protections, and extra points on dining, flights, and U.S. supermarkets.
American Express Everyday:
The Amex Everyday has no annual fee.
Winner:
Although the Amex Gold has a higher annual fee, it offers more value with up to statement credits to offset the annual fee and nice travel and purchase protections.
Redeeming Rewards
Both Cards:
Both the Amex Gold and Amex Everyday earns Membership Rewards points.
American Express Membership Rewards is a popular rewards program that offers a variety of redemption options, including travel, merchandise, gift cards, and more.
However, to get the most value out of your rewards, it’s important to use them strategically.
One of the best ways to use Amex Membership Rewards is through transfer partners.
The program partners with over 20 airline and hotel partners, including ANA, Air Canada Aeroplan, Iberia Avios, and Avianca LifeMiles.
By transferring your points to these partners, you can often get more value per point and enjoy a wider range of redemption options.
The Verdict
Despite the
‘s higher annual fee, it is a better option than the Amex EveryDay Card since it offers great rewards at U.S. Supermarkets, restaurants, and flights, in addition to statement credits and travel benefits. Which card are you going to choose?
- You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- 4x Points at U.S. Supermarkets (on up to $25,000 per calendar year, then 1x points)
- 4x Points at Restaurants Worldwide (up to $50,000 per calendar year, then 1x points)
- Up to $424 in Annual Credits
- $325 Annual Fee (Rates and Fees)
- Earn 10,000 Membership Rewards® Points after Spending $2,000 in your first 6 months.
- 2X Points at U.S. Supermarkets (up to $6,000 per year)
- 20% Extra Points When You Make 20 or More Purchases
- 0% Intro APR for 15 Months (thereafter, a variable rate of 17.74% to 28.74%)
- No Annual Fee (Rates and Fees)
