Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

on American Express' website

Blue Cash Preferred® Card from American Express

American Express is a NerdWallet Partner

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

on American Express' website

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Card details

  • Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

  • Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 16.24% to 26.24%.

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

  • 6% Cash Back on select U.S. streaming subscriptions.

  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).

  • 1% Cash Back on other purchases.

  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

  • $95 Annual Fee.

  • Terms Apply.

Rates, fees & offers

  • Annual fee

    $95

  • Rewards rate

    1%-6%

  • Bonus offer

    Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

  • Intro APR

    0% intro APR on Purchases for 12 months

  • Ongoing APR

    APR: 16.24%-26.24% Variable APR

    Cash Advance APR: 27.49%, Variable

    Penalty APR: 29.99%, Variable

  • Foreign transaction fee

    2.7% of each transaction after conversion to US dollars.

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn moreLearn more
Annual fee

$95

Annual fee

$99

Annual fee

$199

Regular APR

16.24%-26.24% Variable APR

Rates & Fees

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Lindsay Konsko

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • Bonus categories

  • Intro APR period

  • Cash rewards

Cons
  • Has annual fee

  • Requires good/excellent credit

  • Spending caps on bonus rewards

The Blue Cash Preferred® Card from American Express is the Nerds top pick for consumers who do the bulk of their spending on groceries and gas or commuting. With it, you'll earn 6% cash back at U.S. supermarkets, on up to $6,000 a year in spending (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% cash back at U.S. gas stations and on transit (including such things as taxis, rideshares, parking, tolls, trains and buses); and 1% cash back on all other purchases. Terms Apply.

To kick off your card membership, the Blue Cash Preferred® Card from American Express comes with a welcome bonus: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Terms Apply.

The Blue Cash Preferred® Card from American Express has an annual fee of $95, but people who spend at least $31 per week at supermarkets yearly will see their rewards earnings surpass what they're paying in fees. For more information about this card, check out our full review here.

To view rates and fees of the Blue Cash Preferred® Card from American Express, see this page.