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Blue Cash Preferred® Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 29.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
19.24% ‐ 29.99% (Variable) (0% for the first 12 months)
Balance Transfer
19.24% ‐ 29.99% (Variable) (0% for the first 12 months)
Balance Transfer
19.24% ‐ 29.99% (Variable) (0% for the first 12 months)
1 - 6% cashback
1 - 6% cashback
Signup Bonus
$250 after spending $3,000
Signup Bonus
$250 after spending $3,000

Informr score
The Blue Cash Preferred® Card currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 47 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Blue Cash Preferred® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Whether you’re spending on everyday essentials like groceries and gas station purchases or spending a night in with streaming services, this versatile card has you covered.

- Garrett Yarbrough, Bankrate

Families can rack up serious cash back. The annual fee is a whopper, but if you spend at least $31 a week at the supermarket, you'll cover it.

- Gregory Karp, NerdWallet

Blue Cash Preferred® Card from American Express is great for frequent commuters, those who enjoy listening to their favorite albums throughout the day (or who appreciates a good Netflix binge), and for anyone who frequently spends at U.S. supermarkets and U.S. gas stations: think soccer parents toti...

- Jennifer Doss,

This card earns generous cash back at U.S. supermarkets, gas stations and select streaming services, potentially making it an excellent fit for households with big grocery and transportation costs.

- Louie Patterson, SlickDeals

Due to the stellar bonus earning rates on the Blue Cash Preferred® Card from American Express, you can quickly maximize your rewards on everyday spending and bills. That said, reward caps limit its potential, especially when it comes to grocery spending. The 6% cash back on up to $6,000 in spending...

- Holly Johnson, Time


Interest Rates
Regular APR Interest Rate 19.24% ‐ 29.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.24% ‐ 29.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00

Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 2.7%

of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus $250 after spending $3,000
  • On purchases within the first 6 months
  • You will receive the $250 back in the form of a statement credit
All Purchases 1% cash back
Restaurants No
Gas 3% cash back

Groceries 6% cash back (on first $6000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

3% cash back on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)

6% cash back on select U.S. streaming subscriptions.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Global Assist® Hotline
  • Return Protection
  • American Express Experiences
  • $120 Equinox+ Credit
  • Receive $7 back each month (up to $84 back annually) after spending $13.99 or more each month on an eligible subscription to The Disney Bundle which includes Disney+, Hulu, and ESPN+ using your Card. Enrollment required.    
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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