I recently received two offers from American Express for two different cards, the Gold Card and the Green Card. I am pretty conservative when it comes to credit cards, so I don't really want both. What differences between the two are profound enough to elevate one over the other?
Do these cards resemble your offers?
If so there really only appears to be a couple of extra features on the gold card with regards to event / ticket insurance. Are your offers both charge cards like these? Charge cards do not allow you to carry a balance (i.e. you have to pay your bill in full each month) as opposed to credit cards that will.
Which one has the features you want? That's really all that matters.
Do you want a low introductory APR? Do you want no annual fee? Do you want rewards? Do you want a pretty color? They all swipe the same and let you walk out of the store with your purchase. It's how you pay, how much you're charged, and how much you get back after the purchase that makes the difference between them.
American Express "charge" cards do allow you to carry a balance, using a feature called "sign and travel". Charges over either $100 or $250 can be paid over time, but charges under that amount must be paid in full every month.
I have a Gold card, and the main benefit is the AAA-like roadside assistance service. If the fee ever went up though, I'd probably switch to the Green card.