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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

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3.7/5.0 from 94 Offer Ratings
Over the Past 60 Days!

(94) Over the Past 60 Days!

  • Regular Purchase APR 13.74%-23.74% Variable
  • Intro Purchase APR 0% for 12 Months
  • Intro BT APR 0% for 12 Months
  • Annual Fees $95
  • Credit Needed


  • Card Brand American Express

Card Details


  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Limited Time Offer: Apply by 5/3/17 – Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • $95 Annual Fee. 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Terms Apply.
  • See Rates & Fees

Card Fees

Late Payment Fees Up to $38

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

Returned Payment Fee Up to $38

Penalty APR 29.99%

Ongoing Information

Rewards Cap 6% at U.S. supermarkets on up to $6,000 in spend per year*

Rewards Rate 6% at U.S. supermarkets on up to $6,000 in spend per year, 3% U.S. gas stations & select U.S. dept stores, 1% other purchases

Annual Fee $95

Purchase Grace Period 25 Days

Additional Card Details

$0 Fraud Liability No

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 Editorial Team

The Blue Cash Preferred Card is an excellent cash back credit card with on of the best rewards rates on the market. As a limited time offer, you can earn 10% cash back at U.S. restaurants for the first 6 months, up to $200 back! Cardholders will also earn 6% cash back at U.S. supermarkets, 3% back at U.S. gas stations & department stores, and an unlimited 1% cash back on all other purchases. The 6% back is limited to the first $6,000 of supermarket spending each year, but you'll still earn 1% cash back if you happen to hit that cap.

By contrast, most rewards cards will either put a cap on how much cash back you can earn or they offer a lower percentage of rewards – or both. 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 $150 back in the form of a statement credit after spending $1,000 with the card in the first 3 months! There is an annual fee of $95, but with the generous rewards program you can easily make cost of the annual fee. 

Finally, there is a generous 0% intro APR for 12 months on purchases and balance transfers. After the intro period, your ongoing APR will be 13.74%-23.74% 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


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The American Express Blue Cash Preferred 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 6% cash back on supermarkets is the highest cash back rate we've found on any credit card! When you add the 3% back on gas, and 1% on all other purchases, this card is a no-brainer for many consumers.

The Not so Good

The annual fee is not waived the first year.

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


94 Total Ratings

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+86 users submitted a rating without a full review

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54 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.

53 Found this review helpful

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By: | Dec 14, 2016

The best!

57 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!

59 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!

80 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.

71 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,

93 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...

81 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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