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American Express · credit
Last updated
Typically needs good credit (guideline, not a guarantee)
Is the Amex Blue Cash Preferred worth keeping when the fee hits? →
Welcome offer — Up to $300 cash back after qualifying spend ($0 intro annual fee first year) Verified by source
Intro APR — 0% on purchases & balance transfers for 12 months, then the variable APR Inferred by source
Worth knowing
Our assessment from this card's own published terms — vendor-neutral, never an issuer's wording. How we judge value.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
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What this card delivers across six value dimensions (0–100, normalized).
| 6× | U.S. supermarkets — Up to $6,000/year, then 1% Verified by source |
|---|---|
| 6× | Select streaming subscriptions Verified by source |
| 3× | Transit Verified by source |
| 3× | U.S. gas stations Verified by source |
| 1× | Everything else Verified by source |
| Disney Bundle / streaming credit | $120/yr · monthly Inferred by sourceenroll |
|---|
No lounge access.
| Purchase protection | Up to $1,000 per occurrence, $50,000/year; 90 days from purchase Inferred by source |
|---|---|
| Return protection | Up to $300 per item, $1,000/year; 90 days if the merchant won't accept a return Inferred by source |
| Extended warranty | Adds up to 1 year on warranties of 5 years or less; up to $10,000/item Inferred by source |
| Rental car CDW | Up to $50,000 collision & theft (secondary) Inferred by source |
*Realized/net assume full use of non-spend-gated credits — an upper bound. †First-year net adds the one-time sign-up bonus (counts once, not recurring). Personalize it
The Blue Cash Preferred® Card from American Express has a $95 annual fee.
Using its non-spend-gated credits fully, the Blue Cash Preferred® Card from American Express returns about $120 in value against its $95 annual fee — a net of +$25 per year. It can pay for itself if you actually use the credits.
The Blue Cash Preferred® Card from American Express earns 6% U.S. supermarkets (up to $6k/yr) & select streaming, 3% transit & U.S. gas, 1% else.
No — the Blue Cash Preferred® Card from American Express does not include airport lounge access.
Yes — the Blue Cash Preferred® Card from American Express charges a 2.7% foreign transaction fee.
Up to $300 cash back after qualifying spend ($0 intro annual fee first year). Welcome offers change frequently — confirm the current one on the issuer's page before applying.
The Blue Cash Preferred® Card from American Express has a purchase APR of 19.49%–28.49% variable. Intro offer: 0% on purchases & balance transfers for 12 months, then the variable APR.