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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.
2.7%
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.
