Guide
Amex Gold vs Blue Cash Preferred (2026)
Blue Cash Preferred earns 6% at U.S. supermarkets — the highest grocery rate. Amex Gold earns 4× on groceries plus 4× on dining. If you spend heavily at restaurants, Gold often closes the gap; groceries-only households favor Blue Cash.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| Blue Cash Preferred | Groceries | 6% cash back | $95 |
| Amex Gold | Groceries + dining | 4× points | $250 |
| Amex Gold | Travel | 3× points | $250 |
Why most people pick the wrong card
Most people default to the same card at checkout — usually the one on top in their wallet. That habit quietly costs hundreds of dollars a year when another card in your stack earns 3×, 4×, or even 6× on the same purchase.
How Pikt routes smarter than guesswork
Pikt links the cards you already carry, weighs your offers and category earn rates, and tells you the best card to use — with a plain-English explanation and dollar estimate for every purchase. Online, the Pikt Checkout extension auto-fills that card at checkout; in-store, Pikt Nearby names it on your lock screen. Pikt routes grocery runs to Blue Cash and restaurant spend to Gold when you carry both.
Frequently asked questions
- Can I own both?
- Yes — they're complementary. Pikt tells you which to swipe at Trader Joe's vs a dinner out.
$127 at Whole Foods → Blue Cash Preferred earns $7.62 (+$2.54 vs default card)
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