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  1. Credit Cards
  2. Blue Cash Preferred® Card from American Express
American Express

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is built for everyday household spenders, offering high cash back rates on U.S. supermarket purchases, streaming services, and daily commutes. It works best as a primary card for families and drivers looking to maximize earnings on routine domestic expenses.

Welcome Offer
You may be eligible for as high as $300 cash back
Annual Fee
$0 intro annual fee for the first year, then $95.
Rec. Credit Score
Good
Good For
Household cash back
How to ApplyEstimate your value

Terms Apply. For rates and fees of Blue Cash Preferred® Card from American Express, please visit the American Express website.

Blue Cash Preferred® Card from American Express

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Blue Cash Preferred® Card from American Express worth it?

This card is great for...

High-volume grocery spending

Gas and transit expenses

Disney streaming bundle subscriptions

For households spending at least $3,200 annually on groceries, this card easily pays for itself. Maxing out the $6,000 annual spending cap at U.S. supermarkets returns $360 in cash back, which far exceeds the $95 annual fee even before factoring in rewards for gas, transit, and streaming. Taking advantage of the $120 annual Disney streaming credit further increases your net value.

If your grocery bill is modest or you prefer not to manage an annual fee, the no-fee Blue Cash Everyday Card is a safer alternative. Keep in mind that the card carries a 2.7% foreign transaction fee, so its value drops sharply if used outside the United States.

MaxRewards

MaxRewards Verdict

This card earns well on routine domestic spending, provided your grocery and transit budgets are large enough to comfortably offset the $95 annual fee.

Welcome Offer

You may be eligible for as high as $300 cash back

after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.

Est. Value

$300

Required Spend

$3,000

Time Frame

6 Months

Est. Value

$300

Required Spend

$3,000

Time Frame

6 Months

Earning

Rewards

You earn cash back as Reward Dollars redeemable for statement credits, with boosted tiers focused on everyday categories like grocery stores, streaming services, gas, and transit.

CategoryRate

U.S. Streaming Subscriptions, U.S. Gas Stations, Transit

6%

U.S. Supermarkets

Up to $6,000 spend per year

6%

Other Eligible Purchases

1%

Annual Credits & Perks

Benefits

A modest set of spending credits and purchase safeguards helps offset the card's recurring annual fee.

BenefitAnnual value
$120

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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Blue Cash Preferred® Card from American Express$120 Disney Streaming Credit
Autotracked
$0 of $10Every month

Benefits

More Benefits

Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


Premium Car Rental Protection Enrollment Required

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.


Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0 intro annual fee for the first year, then $95.

Purchase APR

19.74% - 28.74%

Variable

Transfer APR

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Balance Transfer

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment

Up to $40

For rates and fees of Blue Cash Preferred® Card from American Express, please visit the American Express website.

Table of Contents

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

How to Apply

Terms Apply. For rates and fees of Blue Cash Preferred® Card from American Express, please visit the American Express website.

For rates and fees of Blue Cash Preferred® Card from American Express, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • Groceries Credit CardsView list
  • Gas & EV Credit CardsView list
  • Cash Back Credit CardsView list
  • Welcome Offer Credit CardsView list

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5X5Xpoints on flights and prepaid hotels on AmexTravel.com
  • 5X2Xpoints on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 5X1Xpoints on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5X4XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 5X3XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 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.

  • 5X5XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 5X5Xpoints on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 5X1Xpoints on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.