ccdeck
American Express

Blue Cash Preferred Card from American Express

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

See current offer Issuer terms
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 Bundle 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
    Not disclosed

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.

  • Blue Cash Everyday Card from American Express card art
    Blue Cash Everyday Card from American Express
    Amex

    Blue Cash Everyday is the no-annual-fee Blue Cash sibling: 3% back on the same supermarket-online-gas trio that the Preferred earns 6% on, capped at a more modest $6,000 per category per year.

    $0 annual fee
    View card Compare
  • Chase Sapphire Preferred card art
    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
  • Hilton Honors American Express Card card art
    Hilton Honors American Express Card
    Amex

    Hilton Honors is the no-annual-fee entry to the Hilton trio.

    $0 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.