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Blue Cash Preferred® Card
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American Express

Blue Cash Preferred® Card

Cash BackGroceryGasIntro OfferZero Intro APR

Key Features

Annual Fee$95.00
Sign-up BonusUp to $300 Cash Back
Rewards Rate1%-6% Cash Back
Intro APRIntro 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%.
Other Fees
The American Express Blue Cash Preferred® Card charges a foreign transaction fee of 2.7% on each transaction after conversion to U.S. dollars.
NetworkAmerican Express
Read the full review
Best for those with
Good Credit

About this card

Considering all factors, the Blue Cash Preferred® Card earns an overall rating of 4.4. The card excels in its rewards program, particularly the high cash-back rates on groceries and streaming services, which are very attractive to families and individuals with significant spending in those categories. The reputation of American Express as a reliable issuer with good customer service further boosts its appeal. The sign-up bonus and additional perks, such as the Disney Streaming Credit, add extra value. However, the $95 annual fee and the relatively high APR range are notable drawbacks. While the annual fee can be offset by rewards for those who maximize the bonus categories, it's still a barrier for some potential cardholders. The high APR means this card is best suited for those who pay their balance in full each month. Overall, the Blue Cash Preferred provides substantial value and is a strong contender in the cash-back market.

4.4
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • Intro APR period
  • High rewards rate
  • Cashback on purchases

Things to consider

  • Annual fee
  • Foreign transaction fees apply
  • High regular APR

What this card offers

Sign-up bonuses

  • AS HIGH AS $300 Cash Back1 after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

Rewards

  • Card Members can earn 6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
  • Card Members can earn 6% cash back on select U.S. streaming subscriptions to stream your favorite shows, movies, and more.
  • Card Members can earn 3% cash back on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more).
  • Card Members can earn 3% cash back on eligible purchases at U.S. gas stations.
  • Card Members can earn 1% cash back on other eligible purchases.

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 Stream.ESPN.com U.S. websites.
  • Subject to auto-renewal
  • Cash Back at Amazon.com Checkout
  • Shop now and conveniently use cash back at checkout at Amazon.com. Your cash back has the same value at Amazon checkout as it does if you redeem as a statement credit.
  • Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
  • Amex Special Ticket Access and more
  • 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.​
  • 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.
  • Car Rental Loss and Damage Insurance
  • 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, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
  • Global Assist® Hotline
  • Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
  • Purchase Protection
  • When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
  • Return Protection
  • With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
  • Extended Warranty
  • When an American Express® Card Member charges a Covered Purchase with his or her Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less. Coverage is up to the actual amount charged to your Eligible Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
  • Balance Transfer Offer
  • You can request a Balance Transfer within the first 60 days of account opening. Fees apply.
  • Dispute Resolution
  • If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
  • Online Account Management
  • Accessing your account online is easy. Get up-to-date information on your Reward Dollar balance, spending, and reward possibilities, all in a few clicks.

Additional Notes

Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.

Ratings

4.7
4.6
3.7
2.5
3.1