Blue Cash Preferred® Card from American Express

Pros & Cons

Pros

+Welcome Bonus: $300
+Up to 6x on groceries
+Purchase protection included

Cons

–Foreign Transaction Fee (2.7%)

Our Review

Unlock Family-Focused Cash Back with the American Express Blue Cash Preferred® Card

$250 statement credit after $3,000 in purchases within the first 6 months
6% cash back at U.S. supermarkets (up to $6,000 per year) and on select U.S. streaming services
3% cash back at U.S. gas stations and on transit (rideshares, tolls, parking, trains, buses)
1% cash back on all other purchases
$0 intro annual fee for the first year, then $95
0% intro APR for 12 months on purchases and balance transfers

Perfect for households and entertainment lovers, this card delivers best‑in‑class rewards on groceries and streaming, plus solid earnings on gas and transit. You’ll also enjoy a generous welcome credit and a full year of no annual fee to help offset costs. Manage your account seamlessly with AmEx’s digital tools, and take advantage of flexible “Plan It” installment options at no extra cost during your first year.

Terms apply. After intro annual fee, $95 applies. APR 20.24%–29.24% variable. Balance transfer fee: $5 or 3% of each transfer, whichever is greater. Foreign transaction fee: 2.7%. See issuer for full details.

Rewards

All Spending

1x

Cash Back pts per dollar

Groceries

6x

Cash Back pts per dollar

Streaming

6x

Cash Back pts per dollar

Gas

3x

Cash Back pts per dollar

Transit

3x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries6x

$700/mo

Gas & EV3x

$200/mo

Transit3x

$100/mo

Restaurants1x

$300/mo

Pharmacy1x

$50/mo

Travel1x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming6x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

85,200

Cash Back/yr

Estimated Value

$852

After Fees

+$757

1st Year Value

$760

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 6x50,400 pts

Gas & EV$2,400/yr × 3x7,200 pts

Transit$1,200/yr × 3x3,600 pts

Restaurants$3,600/yr × 1x3,600 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 1x1,800 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 6x7,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year2.84x

Total points earned85,200 pts

Value of points accumulated in the first year≈ $852

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide). Return Protection: if you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges, and up to a maximum of $1,000 per Card Member account per calendar year (Return Protection Benefit Guide). $120 Disney Streaming Credit (up to $10 monthly at DisneyPlus.com, Hulu.com or Stream.ESPN.com); cash back at Amazon.com checkout; Send & Split®; Amex Special Ticket Access; Amex Offers; Instant Card Number; balance transfer offer within the first 60 days. Travel benefits: Car Rental Loss and Damage Insurance; Global Assist® Hotline.

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

Annual Fee
$95
Foreign currency conversion fee
2.7%

Terms & Conditions

Card Features

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 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 20.24% – 29.24%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.