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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

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Your Rating:

3.1/5.0 from 43 Offer Ratings
Over the Past 60 Days!

(43) Over the Past 60 Days!

  • Regular Purchase APR 13.99%-24.99% Variable
  • Intro Purchase APR 0% for 12 months
  • Intro BT APR 0% for 12 months
  • Annual Fee $95
  • Credit Needed

    Excellent/Good

  • Card Brand American Express

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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 $5 or 3% 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%). 3% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.

Annual Fee $95

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

The Blue Cash Preferred® Card from American Express is an excellent cash back credit card with on of the best rewards rates on the market. Cardholders will earn incredible cash back rates of 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 3% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. Even if you hit the cap of supermarket spending, you can still continue to earn cash back.

This card offers some of the highest rewards rates on the market. 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 $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

The Blue Cash Preferred® Card from American Express does come with a $95 annual fee, but with the generous rewards program you can easily make cost of the annual fee. To top it off, you get an intro APR of 0% for 12 months on purchases and 0% for 12 months on balance transfers. Your ongoing APR will be 13.99%-24.99% 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

  • star rating 3.8/5

    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

  • star rating mask

Offer Rating

3.1/5.0

43 Total Ratings

5 Star
 
 
(6)
4 Star
 
 
(8)
3 Star
 
 
(18)
2 Star
 
 
(7)
1 Star
 
 
(4)

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses 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.

+34 users submitted a rating without a full review

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By: | Aug 31, 2017

I became an AMEX customer with the original Green credit card decades ago and do not regret moving to the Preferred card. AMEX has always had the best customer service on the planet. AMEX rewards for groceries, gas and certain retail stores (3% )like Macy's, Penney's, Kohl's, Nordstrom, Neiman Marcus, Saks, Bloomingdale's, etc. are higher than other cards. All of this is well-worth the annual fee. Never giving up my AMEX card!!!

73 Found this review helpful

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By: | Mar 4, 2017

American Express approved me within seconds after I completed the application. They gave me credit limit of $10,000 which is great. With 12 month 0% APR, I can buy things and pay minimum payment for 11 months and pay it off on the 12th month and pay no interest. So if you are making good income but need to make a major purchase now, go for it. I highly recommend this card.

71 Found this review helpful

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By: | Dec 14, 2016

The best!

77 Found this review helpful

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By: | Jul 15, 2016

Have had this card a couple months and absolutely love it and the cashback is unbeatable. So glad I got approved with a very generous credit line. Thank you Amex!

77 Found this review helpful

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By: | May 3, 2016

Overall this has been a great card. I've had it for about two years and use it for about $2,000 in purchases a month. The rate is relatively low but I love the cash back I get every month for it. Use it mostly for Costco purchases but Costco is moving away from AMEX so I may be looking to get another card soon which is the reason this received a 4 instead of 5 star rating!

99 Found this review helpful

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By: | Mar 1, 2015

Play it right and earn $360 per year minus the $75 annual fee by charging groceries to the card and maxing out at $6000 for the year. 3% on gasoline is also hard to beat. This is the most generous rewards program available.

90 Found this review helpful

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By: | Nov 1, 2014

The best card one could have, I love Amex, they have a great reward program,

114 Found this review helpful

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By: | Sep 22, 2014

As a college student, I've worked hard to earn an impeccable credit score of 840, and despite my short credit history, I found I qualified for this card. Being my second credit card after a VISA that I obtained through my bank, this AMEX blew everything out of the water. I was at first a little uncomfortable with the annual fee, but in the first four months I've earned triple in rewards of the annual $75 fee. My line of credit doubled from my VISA, which my bank refused to increase. The APR is a little high, but I so far have managed to pay the complete balance on time and I haven't paid a dime of interest. The rewards are great, and there are other protections, including travel insurance on renter's cars and accidental death and dismemberment. They also offer refunds on purchases when retailers refuse item returns. But most of all, the 6%/3%/1% cash back program kicks butt.

2 Replies

By: Yue Wang | Jan 25, 2016

Just curious, how do you manage to get 840 when you just have one credit card and being a student?

By: Jason Cox | Jul 15, 2016

Different scoring model is possibly why the score is so high...

100 Found this review helpful

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By: | Sep 22, 2014

This is the best card as long as you pay the balance every month. The rewards are extreme!

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