Blue Cash Preferred® Card from American Express
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Credit Score
Intro 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.
Annual Fee
$0 intro annual fee for the first year, then $95.
Rewards Rate
Up to 6%
Foreign Fee
2.7% of each transaction after conversion to US dollars.
Purchase APR
0%
Balance Transfer APR
0%
Regular APR
19.49%-28.49% Variable
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by American Express Consumer Cards.
Blue Cash Preferred earns at the highest published rate on U.S. supermarkets that any mainstream card offers — and the supermarket cap covers most households' annual grocery budget. Stack in the bonus categories on U.S. gas, transit, and select streaming, plus the first-year fee waiver and the welcome offer, and the math works for anyone who actually shops at traditional grocery chains.
The annual cap on the supermarket category is the constraint that matters. High-spending families burn through the cap by mid-year and earn the baseline rate from there on. Pair this card with a flat-rate cash-back card for above-cap grocery runs to keep the math optimal. Worth noting: warehouse clubs (Costco, Sam's, BJ's) and superstores don't code as supermarkets — verify your usual grocer is on the eligible list before assuming the bonus rate applies.
Card Details
- Apply and find out your welcome offer. As High As $300 cash back* 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. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- $0 intro annual fee for the first year, then $95.
- Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- 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.
- Terms Apply.
Blue Cash Preferred® Card from American Express
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Rates & fees apply. See issuer's website for full terms and conditions.