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

Blue Cash Preferred®

The Blue Cash Preferred Card from American Express is a standout choice for everyday spending, offering top-tier cash-back rates on U.S. supermarkets, streaming, gas, and transit. It is best suited for families and daily commuters looking to maximize rewards on routine domestic expenses.

Welcome Offer
$300
Annual Fee
$95
Rec. Credit Score
Excellent
Good For
Household and commute spending
How to ApplyEstimate your value
Blue Cash Preferred®

All information about Blue Cash Preferred® has been collected independently by MaxRewards. Blue Cash Preferred® is no longer available through MaxRewards.

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® worth it?

This card is great for...

U.S. supermarket purchases

Streaming service subscriptions

Gas and daily transit costs

For households that spend regularly on groceries, gas, and streaming, the Blue Cash Preferred easily justifies its $95 annual fee after the first year. Maxing out the 6% rate on $6,000 in grocery purchases yields $360 in cash back alone, easily covering the fee while earning strong rates on streaming, transit, and gas stations.

The card is less appealing if your grocery budget is modest, if you shop mostly at superstores like Walmart and Target or wholesale clubs, or if you frequently travel outside the United States where foreign transaction fees apply. However, for domestic daily spending and monthly entertainment costs, the overall return is hard to beat.

MaxRewards

MaxRewards Verdict

This card provides elite cash-back returns on essential household categories, making it a top choice for families and daily commuters who spend regularly on groceries and gas.

Welcome Offer

$300

after you spend $3,000 on purchases on your new card in your first 6 months of card membership.

Est. Value

$300

Required Spend

$3,000

Time Frame

6 Months

Est. Value

$300

Required Spend

$3,000

Time Frame

6 Months

Earning

Rewards

Earnings accumulate as Reward Dollars that can be redeemed for statement credits or used at Amazon.com checkout, focusing high returns on major household spending categories.

CategoryRate

Grocery

Up to $6,000 spend per year

6%

Streaming

6%

Gas

3%

Ride-Sharing

3%

Transit

3%

Everywhere

1%

Annual Credits & Perks

Benefits

Alongside high earn rates, the card offers useful statement credits and shopping protections that add direct value and offset the annual fee.

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®$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

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: Excellent
Poor
Fair
Good
Excellent

Excellent 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

19.74% - 28.74%

Variable

Transfer APR

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

$0.027

Table of Contents

Blue Cash Preferred®

Blue Cash Preferred®

How to Apply

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
Business PlatinumBusiness Platinum

300,000 Points

Worth $4,500

After you spend $20,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Business GoldBusiness Gold

200,000 Points

Worth $3,000

After you spend $15,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%6%Choice
  • 2.25%6%Choice
  • 2.25%4.5%Air Travel (amextravel.com)

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

Amex PlatinumAmex Platinum

175,000 Points

Worth $2,625

After you spend $12,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Airline
  • 2.25%7.5%Car Rental (amextravel.com)

Annual Fee

$895

Rec. Credit

Excellent

View card details

Terms Apply.