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How to Tell the Difference Between Allergies and a Cold

While allergy and cold symptoms are similar, they are different conditions that require distinct remedies. Here’s what you need to know about how to tell the difference between allergies and a cold.

Posted June 30, 2022

Woman blowing her nose into a tissue

Your constant sneezing and runny nose are making you miserable. But is it a cold or could it be allergies? Colds and allergies share many of the same symptoms, although they’re actually different types of conditions that involve distinct types of care. Here’s what you need to know about colds and allergies — and how to tell the difference between allergies and a cold.

  • Colds1 are caused by viruses, are contagious and are more common during cooler winter months. Cold symptoms may take a few days to appear and typically last three to 10 days. Cold remedies may include rest, pain relievers and over-the-counter decongestants.
  • Allergies2 are caused by your immune system’s response to triggers like grass, pollen, trees, and even pet dander and certain foods. Allergy symptoms may appear immediately after exposure to an allergy trigger. Allergies may be year-round or seasonal. Allergy treatment may include over-the-counter or prescription antihistamines, decongestants and nasal sprays. Avoiding specific allergy triggers can also relieve or prevent allergy symptoms.

Allergy and Cold Symptoms

It can be hard to tell the difference between a cold and allergies since they share many of the same symptoms. The key is paying attention to the symptoms that colds and allergies generally don’t share.3

Symptoms Allergies Cold
Itchy, watery eyes Checked  
Skin rash Checked  
Fatigue   Checked
Body aches/fever   Checked
Sore throat   Checked
Sneezing Checked Checked
Nasal congestion Checked Checked

Another way to tell the difference between a cold and allergies is to note the duration of symptoms. Most colds don’t last longer than two weeks. Allergy symptoms can last up to a few months — or as long as you’re exposed to the allergy trigger. If you do have cold or allergy symptoms that worsen, or don’t improve after a few weeks, schedule an appointment with your doctor.

Allergy and Cold Prevention Tips

Reduce your chances of developing a cold or allergies by following these steps:3

  • Avoid known allergy triggers
  • Take over-the-counter decongestants to help relieve symptoms
  • Wash your hands frequently to avoid spreading germs
  • Avoid touching your face and eyes
  • Use a humidifier in your home

Did you know? You can use your CareCredit credit card to pay for both prescription and over-the-counter treatments for colds and allergies, as well as doctor visits.* The CareCredit credit card is accepted at hundreds of thousands of healthcare providers and health-focused retailers nationwide. To find a provider or retail location near you that accepts CareCredit, use our Acceptance Locator or download the CareCredit Mobile App.

The content is subject to change without notice and provided solely for your convenience. You are urged to consult with your individual advisors and/or medical providers with respect to any information presented. Neither Synchrony nor any of its affiliates, including CareCredit, make any representations or warranties regarding this content and accepts no liability for any loss or harm arising from the use of the information provided. Your receipt of this information constitutes your acceptance of these terms and conditions.

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Sources

1 “Cold or Allergy: Which is it?” James Steckelberg, M.D., Mayo Clinic, posted Feb. 17, 2022, https://www.mayoclinic.org/diseases-conditions/common-cold/expert-answers/common-cold/faq-20057857, accessed June 21, 2022

2 “Is it a common cold or allergies?” WebMD, reviewed by Melinda Ratini, D.O., M.S., posted May 15, 2021, https://www.webmd.com/cold-and-flu/cold-guide/common-cold-or-allergy-symptoms, accessed June 21, 2022

3 “Is it allergies or a cold?” Healthline, medically reviewed by Marc Meth, M.D., on Dec. 23, 2021, https://www.healthline.com/health/allergies/allergies-or-cold#overview, accessed June 21, 2022