Blue Cash Preferred® Card from American Express

Overall Rating

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Intro APR: 0% for 15 Months
Regular APR: 12.99%-21.99% (Variable)*
Intro Balance Transfer: 0% for 15 Months
Ongoing Balance Transfer: 12.99%-21.99% (Variable)*
Annual Fee: $75
Credit Needed: Excellent

Highlights

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.
 

Details from the CompareCards.com Editorial Team

From the CompareCards.com Editorial Team:

When the Blue Cash Preferred was first introduced it looked great on the surface, but there were some significant restrictions that put a limit on how much cash you could actually earn. But that has all changed for the better, and the current new and improved version of American Express Blue Cash Preferred is perhaps the most rewarding cash back card on the market. With this generously updated plastic you can earn cash back with no rewards caps (there is a cap on the 6% category), gimmicky tiers, or complicated rotating categories. In fact, it appears to have the most generous and hassle-free cash back rewards program in the industry.

The way Blue Cash Preferred works is straightforward, without lots of rules and gimmicks, and that’s a huge improvement over most cash back plastic. The category that really sets this card apart is supermarkets, because Blue Cash Preferred lets you generate 6% cash back all year long with no limits on how much you earn. When you use it to buy gasoline, you earn 3% cash back without limits on the amount you can earn. 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. You also earn a robust 3% cash back rewards at department stores and US gas stations, and you get 1% cash back on all other purchases.

Add to your cash back with a $100 bonus reward when you make at least $1,000 worth of purchases within the first 3 months of membership. That is twice as much as the annual fee for this card, which is $75, so even after paying the fee you come out way ahead. Meanwhile cardholders enjoy other top-rated customer service perks for which American Express is famous for, such as extended warranty purchase protection, travel assistance, online account management tools, and special member discounts from Amex partners.

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

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The Bottom Line

The American Express Blue Cash Preferred is the ultimate cash back rewards card because it offers the most generous ways to earn cash back without restrictions or limitations, and there are no rotating categories. Plus, there is an intro 15 month 0% APR and you can earn 100 Reward Dollars if you spend $1,000 or more within the first 3 months of card membership.

The Good

What we like about this card is that you can earn cash back rewards that make most other cash back programs look mundane by comparison. Cardholders receive 6% cash back at US supermarkets, 3% back at gas stations and select department stores, and 1% back everywhere else.

The Not so Good

You must have excellent credit to qualify. There is also a $75 membership fee. (But the yearly fee can be easily offset by the cash back rewards and bonuses you can earn with this card.)

Blue Cash

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By

(Washington, DC.)

Date Posted

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

I definitely would recommend this card to a friend.

1 out of 1 people found this review helpful.

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Poor APR

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By

(NC)

Date Posted

I definitely would recommend this card to a friend.

2 out of 3 people found this review helpful.

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Lots of rewards, pays for itself

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By

(Tempe, AZ)

Date Posted

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.

I definitely would recommend this card to a friend.

11 out of 11 people found this review helpful.

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