Amex Blue Cash Preferred

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welcome offer

Earn $250 after $1,000 spent within the first 3 months (terms apply). Intro 0% APR for 12 months on purchases.

Bonus Cash Value

Approximately $250*

Annual Fee

$95

Card Rewards

6% cashback at U.S. supermarkets on up to $6,000 per year in purchases

6% cashback on select U.S. streaming subscriptions

3% cashback at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)

1% cashback everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

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) that comes with the 90-day return protection benefit (one of my personal favorite credit card benefits). The 12 month 0% APR is also something that can help with managing your cash flow. Shop with confidence with more Amex benefits like purchase protection, extended warranty protection and more.

Card-Smart Tips & Advice
  • 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- 4 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 4 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
  • 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
Welcome Offer Eligibility
You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.
Card Details And Benefits
  • Global Assist Hotline
  • Auto Rental Collision Insurance
  • Return Protection
  • Extended Warranty Protection
  • Purchase Protection

Additional Resources

  *No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history

Compare Cards

CardAmex Blue Cash PreferredAmex Blue Cash EverydayAmex Cash Magnet Card
Welcome BonusEarn $250 after $1,000 spent within the first 3 months (terms apply). Intro 0% APR for 12 months on purchases.Earn $100 after $1,000 spent within the first 6 months. Plus earn 20% back on Amazon purchases within the first 6 months (up to $200 back). Intro 0% APR for 15 months on purchases.Earn $150 after $1,000 spent within the first 3 months (terms apply). Expires 04/16/2021. Intro 0 % APR for 15 months on purchases.
Annual Fee$95$0$0
Rewards- 6% cashback at U.S. supermarkets on up to $6,000 per year in purchases - 6% cashback on select U.S. streaming subscriptions - 3% cashback at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more) - 1% cashback everywhere else- 3% cashback at US groceries on up to $6,000 spent in yearly purchases - 2% cashback at US gas stations and select department stores - 1% cashback everywhere else- Unlimited 1.5% cash back on all purchases
No Foreign Transaction Fee2.7%2.7%2.7%
Auto Rental Collision InsuranceSecondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.
Purchase ProtectionGet refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)
Authorized User Fee$0$0$0

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Discover It

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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