Blue Cash Preferred Card from American Express

Blue Cash Preferred is the suburban grocery and streaming card, earning 6% cash back at U.S. supermarkets up to $6,000 a year, which is the highest grocery rate on any major card, plus 6% on select streaming services with no spend cap. Add 3% on gas and transit and the $95 annual fee gets paid back quickly for a household that actually buys groceries weekly. The first-year fee waiver makes that math even easier to evaluate.

Apply at Amex Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Blue Cash Preferred Card from American Express card art

Annual fee

$95

$7.92/mo equivalent

Waived first year
Welcome offer

$300

after $3,000 in 6 months
Recommended credit

700-800

Median 720. See why →

Earning rates

on Cashback

6x

Streaming
6x

U.S. Supermarkets

Cap $6k/yr, then 1%

Cap $6,000
3x

Gas
3x

Transit
1x

Everything else

Benefits and credits

Travel credits and perks

Global Assist Hotline

Lifestyle credits

$120 Disney Streaming Credit

$10/month
American Express Venue Collection
Amex Special Ticket Access
Cash Back at Amazon Checkout

Purchase and protection benefits

Extended Warranty

Up to $10,000
Purchase Protection

Up to $1,000 · 90d
Return Protection

Up to $300 · 90d

Travel and purchase coverage

Rental car collision damage waiver

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: 2.70%
Penalty APR (cap): 29.99%
Balance transfer: 19.49% to 28.49%; Fee $5 or 3.00%, whichever is greater
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons

Blue Cash Everyday Card from American Express

Amex

Blue Cash Everyday is the no-annual-fee sibling in the Blue Cash line, earning 3% back on the same supermarket, online retail, and gas categories that the Preferred earns 6% on, though here the cap is a more modest $6,000 per category per year.

$0 annual fee

View card Compare
Capital One Savor Cash Rewards Credit Card

Capital One

The Savor is Capital One's no-fee dining and entertainment card, and it earns its keep at the table and the box office: 3% cash back on dining, groceries, entertainment, and streaming, 8% on tickets bought through Capital One Entertainment, and 5% on hotels and rental cars booked through Capital One Travel.

$0 annual fee

View card Compare
Chase Sapphire Preferred

Chase · Visa

The Sapphire Preferred is the entry door to Chase's transferable Ultimate Rewards ecosystem at a $95 annual fee, with 5x on Chase Travel bookings, 3x on dining and online grocery, and a 10% anniversary points boost that compounds over years.

$95 annual fee

View card Compare

Sources

Data current as of May 14, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.