Blue Cash Preferred® Card from American Express
on American Express's website
Blue Cash Preferred® Card from American Express
American Express is a NerdWallet Partner
Card details
Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
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 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% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
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.
Terms Apply.
Rates, fees & offers
Annual fee
$0 intro for the first year, then $95
Rewards rate
1%-6%
Bonus offer
Earn a $300 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: 13.99%-23.99% Variable APR
Cash Advance APR: 25.24%, 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
| Learn more | Learn more | |
Annual fee$0 intro for the first year, then $95 | Annual fee$99 | Annual fee$199 |
Regular APR15.99%-24.99% Variable APR | Regular APRN/A | |
Intro APR0% intro APR on Purchases for 12 months | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
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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 $300 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 $0 intro for the first year, then $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.
