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The Amex Blue Cash Preferred is the highest earner for grocery spending. Even after deducting the annual fee you will still be left over with a 4% earning on US grocery spending. Plus, you will earn 3% cash back on purchases at US gas stations and transit as well. It is also the Amex card with the cheapest annual fee ($95), which now gets waived the first year, that comes with the 90-day return protection benefit (one of my personal favorite credit card benefits). The intro 0% APR on purchases helps with cash flow. Shop with confidence with more Amex benefits like purchase protection, extended warranty protection and more.
- Good credit needed
- In a time span of 90 days, you can only get approved for 2 Amex cards.
- You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)
- Amex will usually pull your Experian credit report
- Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
- You can check your application status here or call 1 800 567 1083
- If declined you can call 1 800 567 1083 to be reconsidered
- The Amex Blue Cash Preferred can be downgraded to the Amex Blue Cash ($0). Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.
Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $50,000. You can purchase an Amex premium plan that will offer primary coverage up to 42 days. Max $100,000.
Not happy with a purchase? Get a refund on purchases that have passed the store return policy - up to 90 days from date of purchase. Max $300 per claim, max $1,000 per year.
Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.