Blue Cash Preferred® Card from American Express

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Rates & Fees | Terms Apply
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Blue Cash Preferred® Card from American Express

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Rated 4/5.0 stars by our editorial team

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4/5.0 from 66 Offer Ratings
Over the Past 60 Days!

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Rates & Fees

Terms Apply

  • Regular Purchase APR 18.49%-29.49% Variable
  • Intro Purchase APR 0% on purchases for 12 months
  • Intro BT APR 0% on balance transfers for 12 months
  • Annual Fee $0 intro annual fee for the first year, then $95
  • Credit Needed Excellent/Good
  • Card Brand American Express
  • Regular Purchase APR 18.49%-29.49% Variable
  • Intro Purchase APR 0% on purchases for 12 months
  • Intro BT APR 0% on balance transfers for 12 months
  • Annual Fee $0 intro annual fee for the first year, then $95
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn a $250 statement credit after you spend $3,000 in 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. 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% for 12 months on purchases from the date of account opening, then a variable rate, 18.49% to 29.49%
  • 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.
  • Get $7 back each month after using your Blue Cash Preferred Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
  • Terms Apply.
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Card Fees

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Balance Transfer Fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Penalty APR

29.99% Variable

Ongoing Information

Rewards Rate

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. Terms apply.

Annual Fee

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

Additional Card Details

$0 Fraud Liability

Yes

Auto Rental Insurance

Yes

Extended Warranty Program

Yes

Roadside Assistance

No

Purchase Protection

Yes

Travel Assistance

Yes

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

Yes

Expert Reviews

From the CompareCards.com Editorial Team, updated on Feb 03, 2023

The Blue Cash Preferred® Card from American Express is an excellent cash back credit card with one of the best rewards rates on the market. Cardholders will 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. Terms apply. Even if you hit the cap of supermarket spending, you can still continue to earn cash back.

Since supermarket items and gasoline are two of the biggest expenses for most households, this card makes it easier to save considerable amounts of money. Cardholders can also earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months.

The Blue Cash Preferred® Card from American Express comes with a $0 intro annual fee for the first year, then $95 annual fee. With the generous rewards program you can easily make up the cost of that annual fee. To top it off, you get an intro APR of 0% on purchases for 12 months. Your ongoing APR will be 18.49%-29.49% Variable based on your creditworthiness.

Expert Reviews of the Blue Cash Preferred® Card from American Express

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 3.0

    Fees

  • 4.0

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

The Blue Cash Preferred® Card from American Express is the ultimate cash back rewards card for consumers who spent a lot of money on groceries and gas. This card not only comes with some of the most generous rewards, but there is a nice intro APR as well.

The Good

The cash back rate on supermarkets is the highest cash back rate we've found on any credit card! When you include the cash back on gas and all other purchases, this card is a no-brainer for many consumers.

The Not so Good

There is a foreign exchange fee of 2.7% of each transaction after conversion to US dollars..

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.

Consumer Reviews

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OFFER RATING

4.0/5.0

66 Total Ratings

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4 STARS

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3 STARS

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2 STARS

(8)

1 STAR

(5)

YOUR RATING

 

Rated 4/5.0 stars by our editorial team

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Change my rating to: Average

4/5.0 from 66 Offer Ratings
Over the Past 60 Days!

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