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Blue Cash Preferred® Card from American Express

Learn More
Rates and Fees

$0 intro annual fee the first year, then $95

Bonus Miles
Cash Back
$250
Recommended Credit
Good
Current Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

$250
Cash Back

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Summary

The Blue Cash Preferred Card from American Express is a top-tier cash-back credit card that rewards you for everyday spending, making it especially valuable for those with substantial grocery and gas expenses (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). It offers generous cash-back on supermarket purchases, gas station purchases, and select streaming services. Although it comes with an annual fee, the cash-back potential often outweighs the cost (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout).

Plus, you might be eligible to get an elevated welcome offer on this card by going through CardMatch, a simple and secure tool. Check it out here!

Earning Rewards

[.redeem] 6% [.redeem] cash-back at U.S. supermarkets, on up to $6,000 in spending per year

[.redeem] 6% [.redeem] cash-back on select U.S. streaming subscriptions

[.redeem] 3% [.redeem] cash-back at U.S. gas stations

[.redeem] 3% [.redeem] cash-back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)

[.redeem] 1% [.redeem] cash-back on other purchases

Additional Benefits

  • 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.
  • 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.
  • Terms Apply.

Foreign Transaction Fee

Rates and Fees
  • 2.7% of transaction amount in USD

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Also consider

🏆 Best for restaurants

American Express® Gold Card

American Express® Gold Card

American Express® Gold Card

🏆 Best for restaurants

As high as 100k
Bonus Points
ELEVATED OFFER
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact.
As high as 100k
Bonus Points
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact.
The American Express Gold Card is a premium card that offers lucrative rewards for dining at restaurants worldwide and U.S. supermarkets, along with valuable travel benefits, making it an excellent choice for foodies and frequent travelers. While it does come with an annual fee, the card's combination of rewards and perks can provide substantial value to those who frequently dine out and travel.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for luxury benefits

The Platinum Card® from American Express

The Platinum Card® from American Express

The Platinum Card® from American Express

🏆 Best for luxury benefits

As high as 175k
Bonus Points
ELEVATED OFFER
You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact.
As high as 175k
Bonus Points
You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact.
The Amex Platinum is a premium card offering a range of exclusive travel and lifestyle benefits, including access to luxury airport lounges, annual travel credits, and Membership Rewards points that can be redeemed for travel or other rewards. With a high annual fee, this card is designed for individuals who value premium perks and are frequent travelers looking to enjoy a heightened level of luxury and convenience.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Blue Cash Preferred® Card from American Express
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Blue Cash Preferred® Card from American Express
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Blue Cash Preferred® Card from American Express

CURRENT OFFER

$250

Cash Back

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

REWARDS RATE
1-6% Cash Back
ANNUAL FEE
$0, then $95
Our Score
81
Annual fee (20%)
9
Welcome Offer (20%)
3
Point Redemption Value (20%)
5
Rewards Rates (15%)
5
Benefits (15%)
10
Travel Protections (10%)
6
Our Mission
Rating Methodology

Our Take

McKay Moffitt

This card is honestly tough to beat when it comes to spending on groceries. Or, if you stream everything under the sun, it's good for that, also. With solid cash back at U.S. supermarkets and streaming platforms, the Blue Cash Preferred racks up rewards very quickly.

I've known people to get this card, pay the low annual fee, earn hundreds of dollars back just on groceries and make "free" money back. If you like high earning rates and can handle the small fee, the Blue Cash Preferred is perfect for cash back on that everyday spend.

Comparable Cards

Blue Cash Everyday® Card from American Express

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
$200
Cash Back
OUR SCORE
78

Citi Custom Cash® Card

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
$200
Cash Back
OUR SCORE

Chase Freedom Flex®

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
$200
Cash Back
OUR SCORE
83
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro] Solid cashback on everyday purchases [.pro]

[.pro] Valuable welcome offer [.pro]

[.pro] Access to American Express Offers, which comes with extra savings and discounts on purchases [.pro]

Cons

[.con] Cashback rate is capped for U.S. supermarket spending, and after reaching the limit, the cashback rate is lower [.con]

[.con] Limited international acceptance compared to Visa and Mastercard [.con]

Rewards Summary

[.redeem] 6% [.redeem] cash-back at U.S. supermarkets, on up to $6,000 in spending per year

[.redeem] 6% [.redeem] cash-back on select U.S. streaming subscriptions

[.redeem] 3% [.redeem] cash-back at U.S. gas stations

[.redeem] 3% [.redeem] cash-back on transit (including taxis/rideshare, parking, tolls, trains, buses and more)

[.redeem] 1% [.redeem] cash-back on other purchases

Additional Benefits

  • 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.
  • 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.
  • Terms Apply.

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

How to make the most of your

Blue Cash Preferred® Card from American Express

[.dontreco] We don’t recommend: Forgetting to redeem your rewards [.dontreco]

While the rewards are straightforward, make sure to regularly check your cash back balance and redeem it as needed. It's easy to let it accumulate without taking advantage of it.

[.sometimesreco] We sometimes recommend:  Using it for Amazon purchases [.sometimesreco]

With the option to use cash back at checkout, the Blue Cash Preferred is a great option for your Amazon purchases.

[.alwaysreco] We always recommend:  Using it for everyday purchases like groceries and gas [.alwaysreco]

Because of its great cash-back rates, use the Blue Cash Preferred for all your day-to-day spending. It's an effortless way to earn consistent rewards.

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Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Oct 2022
through
Earn $250 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
Current Offer since
Jun 2022
through
Oct 2022
Earn $350 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
Current Offer since
Sep 2021
through
Jun 2022
Earn $300 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Introductory APR and introductory Buy Now, Pay Later Plan It® Fees.
Current Offer since
May 2021
through
Sep 2021
Earn $150 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Plus, earn 20% back on Amazon in first 6 months — up to $200 back.
Current Offer since
Feb 2021
through
May 2021
Earn $300 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
Current Offer since
Dec 2020
through
Feb 2021
Earn $250 Back after you spend $1,000 in purchases on your new Card within the first 3 months of Card Membership.
Current Offer since
Oct 2020
through
Dec 2020
Earn $300 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
Current Offer since
May 2019
through
Oct 2020
Earn $250 Back after you spend $1,000 in purchases on your new Card within the first 3 months of Card Membership.

Best Complementary Cards

The Platinum Card® from American Express

ELEVATED OFFER

Use the Blue Cash Preferred for groceries and streaming, and then use the Amex Platinum to handle travel. You’ll enjoy lounges, points on flights, and points on hotel upgrades. Together, they work super well for anyone who loves cash back and luxury travel perks.

Chase Freedom Unlimited®

If you want to fill in all the “everything else” gaps, this is a great pairing. You’ll earn solid cash back on non-bonus spending, which will stack well with the Blue Cash Preferred's categories. It also gives you flexibility with your points if you ever switch to a more travel-focused card.

Who Should Get The

Blue Cash Preferred® Card from American Express

?

1. The Grocery Store Regular

If your weekly Trader Joe’s or Whole Foods haul is the highlight of your routine (guilty!), this card is perfect for you. Just spending $500 a month at U.S. supermarkets gets you $360 back a year (which takes care of the annual fee). And if you're filling up your tank to get to said grocery stores, even better. From filling your gas tank to paying for subways, buses, or Ubers, solid cash back on transit and gas adds up quickly. It’s one of the only cards that includes transit.

2. The Streamer

Stream Netflix, Disney+, Spotify, HBO Max, Hulu? That 6% cash back on streaming adds up super fast. While other cards come with credits for those platforms, this card still puts cash back in your wallet. That said, this card is a great place to start.

Who Should Not Get The

Blue Cash Preferred® Card from American Express

?

If your grocery spending is under $250 per month or you rarely pay for streaming, it’s probably not worth the fee. Also, if you're looking for flight credits or hotel points, I'd look elsewhere. This is a cash back card before anything else.

Frequently Asked Questions (FAQs)

Is Amex Gold better than Blue Cash Preferred for groceries?

If you spend a lot on groceries and want flexible points instead of cash back, the Amex Gold usually wins out.

Can I upgrade my Blue Cash Preferred to American Express® Gold Card?

You cannot upgrade from the Blue Cash Preferred to the Amex Gold directly. Since the Amex Gold is a charge card (not a credit card), you’d need to apply for it separately.

Can I downgrade my Amex Blue Cash preferred to Everyday?

Yes you can, and many people downgrade to the no fee Blue Cash Everyday to avoid the fee while keeping their open account.

Does the Blue Cash Preferred have foreign transaction fees?

Yes, there’s a 2.7% foreign transaction fee, so it’s not the best pick for spending abroad.

Authors

Written by: McKay Moffitt

Writer

Edited by: Tiffany Eastham

Writer & Editor 

Updated:  
July 15, 2025

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

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