American Express
Blue Cash Preferred® Card
Key Features
| Annual Fee | $95.00 |
| Intro APR | 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 19.49% to 28.49%. |
| Regular APR | then a variable APR, 19.49% to 28.49%. |
| Network | American Express |
About this card
The Blue Cash Preferred Card earns a 4.2 overall rating due to its exceptional rewards program and strong reputation, offset slightly by its APR and fees. The card shines with its high cash-back rates on common spending categories like groceries and streaming, making it a top choice for families and individuals with relevant spending habits. The intro APR period is a plus. However, the regular APR range is high, and the $95 annual fee, while often offset by rewards, is a factor that prevents a higher rating. The card's value proposition is strong for its target audience, and its reputation and issuer add to its appeal. Strengths: - High cash-back rates on groceries, streaming, gas, and transit. - Valuable sign-up bonus. - Strong reputation and customer service. - Additional perks like Disney Streaming Credit. Weaknesses: - High regular APR. - $95 annual fee. - Requires good to excellent credit.
Pros & Cons
What's great
- Generous sign-up bonus
- Intro APR period
- High rewards rate
- Cashback on purchases
Things to consider
- Annual fee
- High regular APR
- Limited rewards categories
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Rewards
- 6% CASH BACK On Groceries Up to $6,000 per year in purchases at U.S. supermarkets.
- 6% CASH BACK On Select Streaming Subscriptions on select U.S. streaming subscriptions.
- 3% CASH BACK On Transit Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
- 3% CASH BACK On Gas At U.S. gas stations.
- 1% CASH BACK On Other Purchases Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Other features
- $120 Disney Streaming Credit Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites.
- Cash Back at Amazon.com checkout Shop now and conveniently use cash back at checkout at Amazon.com.
- Send & Split® With Send & Split®, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today. Terms apply.
- Events with Amex™ Card Members can enjoy presale and special ticket access to select can't miss events. Your ticket gets you in and your eligible Card gets you more at select events with exclusive Card Member benefits that can help elevate your experience.
- Earn More with Amex Offers Card Members can explore the Amex Offers available to add to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
- Know if you're approved with no credit score impact
Additional Notes
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.