Discover the Benefits of the Blue Cash Preferred® Card
Earn up to 6% cash back on eligible everyday purchases and understand the card’s costs and conditions.
Why consider the Blue Cash Preferred® Card?
The Blue Cash Preferred® Card from American Express is focused on cash back for common household and everyday spending categories. Card Members earn 6% cash back at U.S. supermarkets on up to $6,000 in eligible purchases per year, then 1%, and 6% on select U.S. streaming subscriptions. The card also earns 3% cash back at U.S. gas stations and on transit, including eligible taxis, rideshare, parking, tolls, trains and buses. Other eligible purchases earn 1% cash back. Cash back is received as Reward Dollars that can be redeemed as a statement credit. The card currently has a $0 introductory annual fee for the first year, followed by a $95 annual fee.
- 6% cash back at U.S. supermarkets on up to $6,000 in eligible purchases per year, then 1%.
- 6% cash back on select U.S. streaming subscriptions.
- 3% cash back at U.S. gas stations and on eligible transit purchases, including taxis, rideshare, parking, tolls, trains and buses.
- $0 introductory annual fee for the first year, then $95. Cash back is received as Reward Dollars redeemable as a statement credit.
Points to Consider Before Applying
The Blue Cash Preferred® Card has specific costs and category rules that should be considered before applying. After the $0 introductory annual fee for the first year, a $95 annual fee applies. The 6% U.S. supermarket rate is limited to $6,000 in eligible purchases per year, after which purchases in this category earn 1%. Several of the card’s higher cash back rates are specifically tied to eligible U.S. purchases. For international spending, the card currently charges a 2.7% foreign transaction fee after conversion to U.S. dollars.
- A $95 annual fee applies after the $0 introductory annual fee for the first year.
- The 6% U.S. supermarket rate is capped at $6,000 in eligible purchases per year; purchases above that amount earn 1%.
- A 2.7% foreign transaction fee applies to transactions made in foreign currencies after conversion to U.S. dollars.
Step by Step: How to Apply for the Blue Cash Preferred® Card
Applications for the Blue Cash Preferred® Card can be submitted directly through American Express. Before applying, review the current cash back structure, welcome offer, introductory and ongoing annual fee, APR and transaction fees. American Express may also provide the option to apply with confidence, allowing eligible applicants to check whether they are approved without an initial impact to their credit score. If the applicant accepts the card after approval, the credit score may be affected.
- Visit the official Blue Cash Preferred® Card page on the American Express website.
- Review the current cash back rates, annual fee, welcome offer, APR and other applicable terms.
- Select the application option and provide the requested personal and financial information.
- Review the application details and submit them for American Express’s credit evaluation.
- If approved, review the account terms and follow the instructions provided by American Express to receive and activate the card.
The Blue Cash Preferred® Card is a cash back card rather than a Membership Rewards® points card. It currently earns 6% cash back at U.S. supermarkets on up to $6,000 in eligible purchases per year, then 1%; 6% on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit; and 1% on other eligible purchases. Cash back is received as Reward Dollars that can be redeemed as a statement credit. The card currently has a $0 introductory annual fee for the first year, followed by a $95 annual fee, and charges a 2.7% foreign transaction fee. Applicants should review the current offer, APR and complete Rates and Fees provided by American Express before applying.
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