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

Blue Cash Preferred® Card from American Express

This card is built for households that spend heavily at U.S. supermarkets and pay for streaming every month. It works best as a lifestyle-focused cash-back card rather than a one-card setup, since its strongest rates are concentrated in a few everyday categories.

Welcome Offer
As High As $300 Cash Back. Find Out Your 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
Families with grocery spend
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...

U.S. supermarket spending

Streaming subscriptions

Gas and transit costs

Yes, for the right household this card easily justifies its fee after the first year. If you spend consistently at U.S. supermarkets and use select U.S. streaming services, the 6% cash back rates can do most of the work on their own, and the gas and transit category adds useful value for commuters and families on the go.

It is less compelling if your grocery spending is modest, you shop mostly at stores that do not code as U.S. supermarkets, or you want a strong flat rate on general purchases. The foreign transaction fee also makes it a poor travel card. For everyday domestic spending in its bonus categories, though, this is one of the clearer fee-based cash-back cards to keep long term.

MaxRewards

MaxRewards Verdict

A strong fit for households with high grocery and streaming spend, especially if gas and transit are meaningful parts of the budget too. If you need broad everyday rewards or a card for international use, this is better as a category card than your only card.

Welcome Offer

As High As $300 Cash Back. Find Out Your 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 at Amazon.com checkout. 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

The rewards here are straightforward cash back, with most of the value concentrated in a few common household categories. If your budget naturally includes groceries, streaming, commuting, and gas, this card can return a lot without requiring any points strategy.

CategoryRate

U.S. Streaming Subscriptions

6%

U.S. Supermarkets

Up to $6,000 spend per year

6%

Gas Stations (U.S.), Transit

3%

Other Purchases

1%

Annual Credits & Perks

Benefits

The headline benefit is the monthly Disney streaming credit, which can meaningfully offset the annual fee if you already pay for eligible services. The rest of the value comes more from steady category rewards than from a long list of recurring credits.

BenefitAnnual value
$250
$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.

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

Benefits

More Benefits

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.


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.


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.


Premium Car Rental Protection Enrollment Required

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage. 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

$95

Purchase APR

19.49% - 28.49%

Variable

Transfer APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

$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

  • #1Best Groceries Credit CardsView list
  • #3Best Gas & EV Credit CardsView list
  • #6Best Cash Back Credit CardsView list
  • #8Best 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 $3,000

After spending $20,000 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. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

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

Worth $2,000

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.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

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

Worth $1,750

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.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.