
Blue Cash Preferred® Card from American Express
Earn up to 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions, 3% at U.S. gas stations and on transit, and 1% on other purchases. Includes a $0 intro annual fee for the first year, then $95.
Annual Fee
$95
Top Earning Rate
6% back select u.s. streaming subscriptions
Foreign Tx Fee
2.7%
Rating
N/A
Current Welcome Offer
250 cashback
$250 estimated value
Spend $3,000 in 180 days
Card Offers
public
250 cashback
$250 estimated value
Spend $3,000 in 180 days
Earning Rates
On eligible streaming services billed directly to the card
On up to $6,000 per year in purchases, then 1%
Includes taxis, rideshare, trains, buses, ferries, tolls, parking, and more
Pros & Cons
Pros
- Industry-leading 6% cash back at U.S. supermarkets, up to $6,000 per year
- 6% cash back on select U.S. streaming subscriptions with no stated cap
- Up to $168 per year in statement credits for Disney Bundle and Equinox+ subscriptions, which can effectively offset the annual fee
- 3% cash back at U.S. gas stations and on a broad range of transit purchases
- $0 intro annual fee for the first year reduces the upfront cost of trying the card
Cons
- 2.70% foreign transaction fee makes it a poor choice for international use
- The $95 annual fee requires meaningful grocery and streaming spending to justify
- The 6% supermarket rate is capped at $6,000 per year, limiting value for very high grocery spenders
- Car rental insurance is secondary, meaning personal auto insurance must be used first
- Statement credits for Disney Bundle and Equinox+ require enrollment and direct billing to the card
Key Takeaways
- Earns 6% cash back at U.S. supermarkets on up to $6,000 per year, one of the highest rates available in the grocery category
- Up to $168 in annual statement credits for Disney Bundle and Equinox+ can effectively reduce the net annual fee to below $0 for qualifying subscribers
- A 2.70% foreign transaction fee means this card should not be used abroad
- The $250 welcome offer requires $3,000 in spending within the first 6 months
- A 12-month 0% intro APR on purchases provides a short-term financing window for new cardholders
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee Waived first year | $95 |
| Foreign Transaction Fee | 2.7% |
APR Information
- Purchase APR
- 19.24% - 29.99%0% intro APR for 12 months
- Balance Transfer APR
- 19.24% - 29.99%
- Cash Advance APR
- 29.99%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits
Travel Insurance
Purchase Protection
Statement Credits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Blue Cash Preferred Card?
What welcome offer is currently available?
Is there a cap on the 6% cash back at U.S. supermarkets?
Which streaming services qualify for the 6% cash back rate?
What statement credits come with this card?
Does the Blue Cash Preferred Card charge foreign transaction fees?
What is the intro APR offer on this card?
What purchase protections does this card include?
What credit score is needed to apply for this card?
How does transit cash back work on this card?
About This Card
The Blue Cash Preferred Card is best for households that spend heavily at U.S. supermarkets and regularly pay for streaming services. It also suits commuters who can take advantage of the 3% cash back on transit and gas purchases.
The Blue Cash Preferred® Card from American Express is a top-tier cash back card designed for everyday spenders. It offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit, and 1% cash back on all other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. The card comes with a $0 intro annual fee for the first year, then $95. It also includes a welcome offer, statement credits for eligible purchases, and various shopping and travel protections.
The Blue Cash Preferred Card offers one of the highest cash back rates in the grocery category at 6%, paired with up to $168 in annual streaming and fitness credits that can more than offset its $95 fee for subscribers who use both services.
Ready to Decide?
Apply for the Blue Cash Preferred® Card from American Express
250 cashback, worth about $250 estimated value, with a $95 annual fee.
Spend $3,000 in 180 days
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 5 of 6 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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