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Blue Cash Preferred Card from American Express review The everyday card for households

Top-tier rewards at U.S. supermarkets make this card well worth the annual fee Written by Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, Nov. 3, 2022 Edited by Credit Cards Editor Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards Reviewed by Former Senior Director of Content Antonio Ruiz-Camacho is senior director of content for CreditCards.com and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, Nov. 3, 2022

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Snapshot

4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bottom line Whether you’re spending on everyday essentials like groceries and gas or treating your family to a night in with streaming movies, this versatile card has you covered. on American Express's secure site

Blue Cash Preferred® Card from American Express

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 on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases Annual fee Intro offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Blue Cash Preferred® Card from American Express review The everyday card for households

Boasting one of the highest rewards rates available at U.S. supermarkets, the Blue Cash Preferred® Card from American Express remains one of the . But the Blue Cash Preferred isn't a one-trick pony. With a generous welcome offer and unlimited cash back on essential categories like U.S. gas station purchases, transit and select U.S. , this is a top-shelf that can help you maximize your rewards on everyday spending.

What are the advantages and disadvantages

Pros

Outstanding tiered cash back on groceries, gas, transit and streaming subscriptions Purchase protection, return protection and extended warranty benefits Complimentary ShopRunner membership

Cons

The high-earning U.S. supermarket category excludes low-cost options like big-box stores and warehouse clubs Limited rewards redemption options

A deeper look into the current card offer

Quick highlights

Rewards rate: 6 percent cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent); 6 percent back on select U.S. streaming subscriptions; 3 percent cash back on transit; 3 percent back on U.S. gas station purchases; 1 percent back on all other purchases Welcome offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months. Annual fee: $0 intro annual fee for the first year, then $95 Purchase intro APR: 0 percent for 12 months Balance transfer intro APR: 0 percent for 12 months Regular APR: 17.74 percent to 28.74 percent variable

Current welcome bonus

New Blue Cash Preferred cardholders can earn a $250 statement credit after spending $3,000 within the first six months of card membership. This is a slight decrease from the card's previous offer of just $350 in statement credits after the same spend in the same timeframe. However this change also coincides with a new annual fee structure: New cardholders now get a $0 intro annual fee for the first year, after which the regular $95 annual fee applies. Plus, this offer still beats out many of the bonuses you'll find on competing cash back cards and offers double the typical timeframe for reaching the bonus spending threshold-six months versus the usual three months.

Rewards rate

The Amex Blue Cash Preferred offers , which means you'll earn rewards at different rates across multiple categories. Some tiered rewards cards impose spending caps on your high-earning bonus categories, reverting your rewards rate to 1 percent after spending a certain amount. The typical cap is $1,500 per quarter, but the Blue Cash Preferred card's 6 percent U.S. supermarket category's limit is $6,000 per year in purchases.

How you earn

Like other cash back cards from , you earn cash back initially as "Blue Cash Reward Dollars" that can then be redeemed for a . You'll earn cash back on category purchases at the following rates: 6 percent: U.S. supermarkets (up to $6,000 per year in purchases, then 1 percent) and (such as Netflix, Hulu, Prime Video, Spotify, etc.) 3 percent: U.S. gas stations and transit (including taxis or ride-shares, parking, tolls, public transit, etc.) 1 percent: All other purchases These high-earning categories have the potential to reap significant rewards since they're diverse enough to cover a sizable portion of your day-to-day expenses. In fact, if you spend at least $132 each month at U.S. supermarkets, you should earn enough rewards to cover your annual fee. You can then take advantage of your categories' flexibility and create more opportunities to . Along with its rewards at U.S. supermarkets and gas stations, two categories that most cardholders spend heavily in, the Blue Cash Preferred card may help you earn bonus rewards with the program. Amex Offers are limited-time deals you can activate in your account to earn extra cash back or points on purchases from participating retailers, such as Hulu or Uber.

How to redeem

Unfortunately, the Blue Cash Reward Dollars you earn don't provide many redemption options. You can redeem rewards for a statement credit, gift cards ($25 minimum) or merchandise. Although your cash back can't be a direct deposit or a check, earning statement credits with your Amex Blue Cash Preferred is a great way to . Redeeming for a statement credit is the most versatile rewards option since it can cover anything a gift card can and beyond, so make sure you get identical buying power if you sink the same rewards value into a gift card or merchandise purchase.

How much are rewards worth

Since the Blue Cash Preferred is a cash back card, the Blue Cash Reward Dollars you earn are equivalent to actual dollars. Whether you redeem for a statement credit, gift card or other merchandise, your rewards are still worth $1 per Reward Dollar.

Other cardholder perks

The Blue Cash Preferred doesn't carry nearly as many as other American Express . However, standard Amex perks like shopping and travel protections, Pay It Plan It and the complimentary ShopRunner membership (enrollment required) are still rather useful.

Up to $84 back on streaming

If you're a fan of Disney+, Hulu and ESPN+, you can get a ton of unexpected value out of the Blue Cash Preferred. Along with its top-tier rewards rate on streaming services, the card earns $7 back each month if you use it to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+ (enrollment required). That essentially gets you all three services for the price of one and adds up to $84 in savings if you squeeze the full value out of the offer. That's almost as much as the card's annual fee.

Shopping and travel protections

Your Blue Cash Preferred card comes with several protections that nearly all American Express cards provide, as well as the less-common return protection. : You can return eligible purchases of under $300 even when the merchant doesn't offer returns (a limit of up to $1,000 in returns per year applies). : If an item you purchased with the card needs to be repaired or replaced, you can get reimbursed up to $1,000 per eligible incident (up to $50,000 per year total). : You get an extra year of coverage on items with an existing warranty of up to five years (up to $10,000 in coverage per eligible item and $50,000 per card). : If a vehicle you've rented with your card is damaged or stolen in an eligible country, you can take advantage of secondary insurance coverage.

Complimentary ShopRunner membership

Since the Blue Cash Preferred is a personal U.S. Amex card (unlike typical cards, the card allows you to carry a balance for certain charges, but not all), you'll have a complimentary (enrollment required) while your card is active. ShopRunner gives you free two-day shipping at checkout when you shop with over 100 online merchants.

Pay It Plan It

If you're trying to whittle down your balance, the Amex feature provides alternative payment strategies. You can use Pay It to immediately take care of purchases under $100. Meanwhile, Plan It allows you to slowly pay off larger qualifying purchases over $100 and pay them over a set period on up to 10 different payment plans. Plan It can be useful for earning cash back on small purchases because using your card essentially becomes as easy as using a debit card. However, your mileage might vary with Plan It. In lieu of interest payments, you'll still owe a fixed monthly plan fee, which could be more expensive in some cases. Fortunately, you can enjoy $0 intro plan fees when you use Plan It monthly installment plans during your first 12 months. After that, your plans will have a monthly plan fee of up to 1.33% of each purchase amount moved into the plan based on its duration (the APR would otherwise apply to the purchase and other factors).

Rates and Fees

If you're not sure whether the Blue Cash Preferred card fits your spending habits, the 12-month 0 percent introductory APR on purchases will buy you some time to decide. After that, the ongoing APR is17.74 percent to 28.74 percent variable. You'll may also be able to to the Blue Cash Preferred card, as Amex is currently accepting balance transfers to this card. You can get 12 months of 0 percent APR to chip away at your debt, after which you'll face the card's 17.74 percent to 28.74 percent variable APR. There is also a 2.7 percent foreign transaction fee if you're traveling outside the U.S. There is a $0 intro annual fee for the first year, then a $95 annual fee. The ongoing annual fee might be something some cardholders would avoid, but as mentioned earlier in the review, it takes only modest grocery spending to offset that cost. Nevertheless, fee-averse cardholders can opt for the Blue Cash Preferred's sister card - the .

First-year card value vs ongoing value

Not only will your first year with the Blue Cash Preferred bring bonus cash back, but you can also save big on interest. Intro purchase APR offers aren't common among cards with annual fees, and the intro bonus' total cash back ranks among the biggest bounties in the premium cash back card world. It only takes spending $132 at U.S. supermarkets each month to pay for the annual fee - any rewards beyond that go straight into your pocket. Although there's an annual fee, opening the floodgate to these potential grocery and gas reward paydays is well worth it. Benefits and Costs First-year value Ongoing value (no welcome offers) Yearly rewards* +$657 +$657 Welcome offers +$250 (after you spend $3,000 in purchases on your new card within the first 6 months) - Perks (of monetary value) N/A N/A Annual fee $0 intro annual fee for the first year ($95 a year thereafter) -$95 Total value $907 $562 *Based on the following estimates for annual expenditures by category: groceries ($6,000); dining ($2,100); household utilities, fuels and public services ($4,000); household supplies, furnishings and home improvement ($2,800); apparel and services and department stores ($1,800); gas and gas stations ($2,000); transit and ride-shares ($800); entertainment ($3,000); personal care products and services, household operations and other miscellaneous spending ($3,300); travel ($2,000); pharmacies and drugstores ($1,300); online shopping ($1,800).

Bankrate staff experience

The Blue Cash Preferred card's unique everyday value has impressed several credit card and personal finance experts here at Bankrate, including resident senior credit card analyst . Rossman has written at length about , believing its focus on grocery cash back is the perfect fit for his family. But it's not just the $360 he earns in cash back every year that keeps him happy. Rossman makes sure to take full advantage of the card, earning cash back rewards in all its bonus categories while also taking advantage of the many "perks that protect my online and in-store purchases." These include purchase and return protections, as well as an extended warranty clause. The Blue Cash Preferred packs so much value, Rossman prefers it over the as well as the . "For my money, there's no topping the Blue Cash Preferred." - Ted Rossman

How the Amex Blue Cash Preferred compares to other cash back cards

The Blue Cash Preferred is in the cash back world when it comes to consistent, high-earning grocery and . Unless you feel earning 5 percent cash back on other types of purchases with a is a better match, alternative choices come down to the rewards structure and categories that better fit where you shop.

Blue Cash Preferred® Card from American Express

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on American Express's secure site Annual fee Intro offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. 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 on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations 1% Cash Back on other purchases Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Citi Custom Cash℠ Card

on Citi's secure site Annual fee Intro offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. Rewards rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Blue Cash Everyday® Card from American Express

on American Express's secure site Annual fee Intro offer Earn up to $250 - Here's How: Earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership. Rewards rate 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Blue Cash Preferred Card vs Blue Cash Everyday Card from American Express

The isn't much of a fight. The Blue Cash Preferred Card provides the most value over the long term, which can more than make up for the $95 annual fee ($0 intro annual fee for the first year). You get not only a bigger welcome offer, but also twice as much cash back on your U.S. supermarket spending, not to mention the higher bonus rewards for spending at U.S. gas stations and on transit. The may be a better fit for people who don't like paying annual fees and who would like 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

Blue Cash Preferred® Card vs. Citi Custom Cash℠ Card

In most cases, the . For example, you'll have to spend more to get the Blue Cash Preferred's welcome offer, but it's worth $100 more than the Custom Cash Card. The Blue Cash Preferred is also far more flexible. You can spend as much as you want each month at U.S. supermarkets until you hit your $6,000 spending limit for the year. After that, you'll earn 1 percent cash back for the rest of the year. But your Blue Cash Preferred Card will still pack a lot of value because you earn bonus rewards in multiple categories. And the other spending categories don't have spending limits. Unfortunately, the is only good for spending in one category, on up to $500 each billing cycle. You earn a high 5 percent cash back rate in one of its fixed categories (restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment). All other purchases earn 1 percent cash back. Once you spend $500 in your top category each billing cycle, the Custom Cash Card only earns 1 percent cash back in that category for the rest of the billing cycle. Since it has no annual fee, the Citi Custom Cash Card is a great choice for someone who will use it to make purchases in one (and only one) category. For example, make it your credit card that earns 5 percent cash back on gas. Or use it as a high-earning grocery rewards alternative if you max out your yearly spend with the Blue Cash Preferred's U.S. supermarket category. But for all your other purchases, the Blue Cash Preferred will more than make up for its $95 annual fee ($0 intro annual fee for the first year) with its welcome offer, rewards and additional benefits.

Best cards to pair with Amex Blue Cash Preferred

The makes an excellent partner card. It's a no-frills, flat-rate credit card that offers 2 percent on every purchase: 1 percent when you buy and 1 percent when you pay. It has no annual fee and is a fantastic complement to the tiered rewards structure of the Blue Cash Preferred Card. Use your Amex card for all of your spending that falls in the bonus categories, and then pull out your Double Cash Card for any purchase that would normally only earn 1 percent. What if you surpass $6,000 each year in groceries? In that case, the Blue Cash Everyday Card from American Express is an excellent backup card for another 3 percent U.S. supermarket cash back category (also capped at $6,000 annually, then 1 percent). On top of no annual fee, you'll also get another bonus category: 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%. While the Blue Cash Preferred covers quite a few bonus categories, the can cover a lot of extra ground as well. Its 3 percent cash back category can be switched monthly for upcoming expenses like , travel and even home improvement. Plus, its 2 percent grocery store category also works at wholesale clubs if you're a bulk buyer. Just keep in mind that this card's 3 percent and 2 percent cash back categories share a $2,500 quarterly cap in combined spending, then 1 percent back.

Bankrate s Take - Is the Amex Blue Cash Preferred worth it

The Blue Cash Preferred Card from American Express offers consistently high-earning cash back rates on everyday essentials like groceries, gas, transit and streaming subscriptions, which are a step above many other cash back cards' reward offerings. Family shoppers, home cooks, heavy commuters and busy professionals will have a tough time finding one rewards credit card that delivers similar opportunities for rewards. Read more: ? Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit for more details. Underwritten by Amex Assurance Company.

Frequently Asked Questions

Is the Blue Cash Preferred worth the annual fee

The Blue Cash Preferred card's $95 annual fee ($0 intro annual fee for the first year) is easily worth it if you frequently spend within its bonus categories. Simply spending $132 per month at U.S. supermarkets (at least $1,584 per year in your 6 percent cash back category) alone will recoup the cost of your annual fee.

What is the difference between the Blue Cash Preferred and the Blue Cash Everyday

The Blue Cash Everyday doesn't charge an annual fee while the Blue Cash Preferred costs $95 each year ($0 intro annual fee for the first year). However, the extra money upfront fuels the Blue Cash Preferred card's stronger cash back rates.

The Everyday card's U.S. supermarket category earns 3 percent while the Preferred card's category weighs in at a whopping 6 percent (on up to $6,000 per year in purchases with both cards, then 1 percent).

The two cards also carry a few different exclusive bonus categories. The Preferred card rewards you for select U.S. streaming services and transit while the Everyday card distinctly earns cash back on U.S. online retail purchases.

The remaining key difference boils down to each card's welcome offers. The Blue Cash Preferred has an easier to attain welcome offer, while the Blue Cash Everyday provides intro APR offers on purchases and balance transfers.

What credit score do I need to get the Blue Cash Preferred

Good to excellent credit (a 670-850 FICO score, or a 661-850 VantageScore) gives you the best chance to be approved for a Blue Cash Preferred card.

Who is the Blue Cash Preferred best for

The Blue Cash Preferred is among the best cash back credit cards for commuters with frequent grocery runs. The 6 percent U.S. supermarket category (up to $6,000 in purchases per year, then 1 percent) and unlimited 3 percent U.S. gas station and transit categories are hard to beat, making the annual fee an afterthought. Even if you're reluctant to take on an annual fee or you already have a flat-rate cash back card, the Blue Cash Preferred is still the perfect card if you regularly shop in any of its bonus categories.

Is the Amex Blue Cash Preferred a charge card

No, the Blue Cash Preferred Card is not a charge card. It’s a rewards card that allows you to carry a balance month to month. But you’ll have to pay a variable APR of 17.74 percent to 28.74 percent on your balances.

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Written by Garrett Yarbrough Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Edited by Credit Cards Editor Reviewed by Former Senior Director of Content

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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.