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Blue Cash Preferred Card from American Express card art
American Express · blue cash

Blue Cash Preferred Card from American Express

4.5 / 5
Cash back · Personal card

The grocery card to beat for families that hit the $6,000 cap. At $360 in supermarket cash back alone, the math works for almost any household with a full kitchen.

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At a glance

Issuer terms
Welcome bonus
$250 cash
Spend $3,000 in 6 months
Annual fee
$95 (waived first year)
Waived first year
Purchase APR
19.24% to 29.99%
Intro: 0% for 12 months
FX fee
2.70%
BT intro: 0% for 12 months
Rates accurate as of
Editorial

Our take

The grocery card to beat for families that hit the $6,000 cap. At $360 in supermarket cash back alone, the math works for almost any household with a full kitchen.

Verdict

Pros & cons

Pros

  • 6% on US supermarkets and streaming
  • 3% on gas and transit
  • First-year fee waived
  • 0% intro APR on purchases and balance transfers for 12 months

Cons

  • $6,000 annual cap on the 6% supermarket tier
  • 2.7% foreign transaction fee
  • Not all warehouse clubs and superstores count as supermarkets
Earnings

Earn rates

CategoryRateNotes
US supermarkets6%6% at US supermarkets up to $6,000 per year, then 1%.·cap $6,000
Streaming6%On select US streaming subscriptions.
Transit And Gas3%On transit (including rideshare, parking, tolls, trains, buses) and at US gas stations.
All other purchases1%
Benefits

Key benefits

6% at US supermarkets

The highest grocery rate on the market, capped at $6,000 in annual spend.

6% on streaming

Netflix, Disney+, Hulu, Spotify, and most major US streaming services.

$84 streaming credit

$7 per month back on the Disney Bundle.

Return protection and purchase protection

Amex coverage for purchases that get refused for return or damaged within 90 days.

Fit

Who this is best for

  • Households spending $400-$500 per month at US supermarkets
  • Streaming-heavy households
  • Suburban families who fill up gas tanks weekly
FAQ

Frequently asked questions

What is the Blue Cash Preferred welcome bonus?
Earn $250 back after spending $3,000 in eligible purchases in the first 6 months. Received as a statement credit.
Does the Blue Cash Preferred charge an annual fee?
Yes. The annual fee is $95, waived for the first year.
Does the Blue Cash Preferred have a foreign transaction fee?
Yes. The Blue Cash Preferred charges a 2.70% foreign transaction fee on purchases made outside the US.
Does the Blue Cash Preferred offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 19.24% to 29.99% variable.
Who is the Blue Cash Preferred best for?
Households spending $400-$500 per month at US supermarkets. Streaming-heavy households. Suburban families who fill up gas tanks weekly.
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Blue Cash Preferred Card from American Express

Spend $3,000 in 6 months
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Rates accurate as of May 15, 2026. Issuer terms.