The Blue Cash Preferred® Card from American Express is a top-tier cash back credit card designed for individuals and families who spend significantly on groceries, streaming services, and commuting. With high reward rates in these categories, this card offers substantial value for everyday expenses.
From generous cash back rates to a compelling welcome offer and valuable perks, the Blue Cash Preferred® Card stands out among cash back credit cards. If you’re looking to earn rewards on your routine purchases, this card deserves your attention.
Discover how the Blue Cash Preferred® Card can enhance your spending strategy and put money back in your pocket.
Meet the Issuer
American Express is a globally recognized financial services company known for its premium credit cards, exceptional customer service, and innovative rewards programs. With a history dating back to 1850, American Express has built a reputation for reliability and excellence.
Offering a wide range of credit cards tailored to various lifestyles and spending habits, American Express continues to lead the industry in providing value and security to its cardmembers.
The Blue Cash Preferred® Card exemplifies American Express’s commitment to delivering outstanding benefits and rewards to everyday consumers.
Main Benefits of the Card
- 6% Cash Back at U.S. Supermarkets: Earn 6% cash back on purchases at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on Select U.S. Streaming Subscriptions: Receive 6% cash back on eligible U.S. streaming services such as Netflix, Hulu, and Disney+.
- 3% Cash Back at U.S. Gas Stations: Get 3% cash back on purchases at U.S. gas stations.
- 3% Cash Back on Transit: Earn 3% cash back on transit expenses including taxis, rideshares, parking, tolls, trains, and buses.
- 1% Cash Back on Other Purchases: Receive 1% cash back on all other eligible purchases.
- Welcome Offer: Earn a $250 statement credit after spending $3,000 in purchases on your new Card within the first 6 months. Terms apply.
- Disney Bundle Credit: Receive up to $84 annually ($7 monthly) in statement credits when you use your card to pay for a Disney Bundle subscription. Enrollment required.
- Plan It® Feature: Split large purchases into monthly installments with a fixed fee, offering flexibility in managing your payments.
- Purchase Protection: Enjoy coverage for eligible purchases against accidental damage or theft.
- Extended Warranty: Get up to one additional year added to the original manufacturer’s warranty on eligible purchases.
American Express Blue Cash Preferrred: Fees and Commissions
The Blue Cash Preferred® Card has a $0 introductory annual fee for the first year, then a $95 annual fee thereafter. This fee is offset by the card’s high cash back rates and additional benefits.
The card offers a 0% introductory APR for 12 months on purchases and balance transfers, then a variable APR of 18.24% to 29.24% applies. Balance transfer fees are either $5 or 3% of the amount of each transfer, whichever is greater.
Note: Rates and fees are subject to change. Please refer to the official American Express website for the most current information.
Card limit
The credit limit for the Blue Cash Preferred® Card is determined based on your creditworthiness and other factors at the time of application. American Express evaluates your financial profile to set an appropriate credit limit.
Responsible use of the card, including timely payments and maintaining a low credit utilization ratio, can lead to potential credit limit increases over time.
Positive points
- High Cash Back Rates:Earn up to 6% back on key categories like groceries, streaming, gas, and transit—maximizing everyday value.
- Valuable Welcome Offer:Receive a $250 statement credit after spending $3,000 in the first 6 months of card membership.
- Introductory APR:Take advantage of 0% APR on purchases and balance transfers for the first 12 months.
Negative points
- Annual Fee:A $95 annual fee applies after the first year, which may reduce value for low spenders.
- Foreign Transaction Fee:Charges a 2.7% fee on international purchases, making it less ideal for travel abroad.
- Spending Caps:The 6% supermarket cashback applies only to the first $6,000 per year, then drops to 1%.
How to Apply for American Express Blue Cash Preferrred Credit Card
- Visit the official American Express website.
- Navigate to the Blue Cash Preferred® Card page.
- Click on “Apply Now” to begin your application.
- Fill out the application form with your personal and financial information.
- Review the terms and conditions before submitting your application.
- Submit your application and await a decision, which may be instant or provided by email within a few days.
- If approved, your card will arrive by mail in 7–10 business days.
- Activate the card online or through the Amex mobile app and start earning cash back on your everyday spending.
How to contact American Express Blue Cash Preferrred
If you need help with your Blue Cash Preferred® Card or have questions before or after applying, use the following support channels:
- Customer Service Phone: 1-800-528-4800 (available 24/7)
- Live Chat: Accessible through your American Express online account or mobile app
- Secure Messaging: Send messages from within your account for assistance
- Mailing Address: Refer to your cardmember statement or the Amex website
The Blue Cash Preferred® Card from American Express is an excellent choice for those who want to earn high cash back on groceries, streaming, gas, and transit. With a strong welcome bonus, valuable credits, and everyday benefits, it delivers more than enough value to justify the annual fee. Apply now and start turning everyday purchases into real cash back rewards.
