Blue Cash Preferred Card from American Express

Earn 6% cash back at U.S. supermarkets (up to $6,000/year), 6% on select streaming, 3% on transit and U.S. gas stations, 1% on everything else.

Last checked on June 7, 2026. We may earn a commission when you click through.

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The Blue Cash Preferred Card offers robust cash back rates, especially for grocery and streaming purchases, making it a great choice for families and frequent spenders.

✓ 6% cash back on U.S. supermarket purchases ✓ Attractive 6% on select streaming services ✓ 3% cash back on transit and gas stations

Data Snapshot

Blue Cash Preferred Card from American Express

Annual Fee

$95

APR

19.24%

See full review →

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Decision Brief

The Blue Cash Preferred Card offers robust cash back rates, especially for grocery and streaming purchases, making it a great choice for families and frequent spenders.

See full review →

You'll be redirected to americanexpress.com

Annual Fee

$95

APR

19.24%

Quick Read

What stands out

Best For: Ideal for those who spend heavily on groceries and streaming services, particularly families looking to maximize cash back rewards.

Watch Out: The annual fee may not be worthwhile for infrequent users, and the APR can lead to higher costs if balances are carried.

Upside

Pros

  • ✓ 6% cash back on U.S. supermarket purchases
  • ✓ Attractive 6% on select streaming services
  • ✓ 3% cash back on transit and gas stations
  • ✓ $250 sign-up bonus after meeting spending requirement
  • ✓ No foreign transaction fees

Tradeoffs

Cons

  • ✗ $95 annual fee may offset rewards for low spenders
  • ✗ Requires good to excellent credit for approval
  • ✗ Variable APR can be high for carried balances
  • ✗ Cash back is limited to $6,000 at supermarkets annually

Deep Dive

Expert Review

The Blue Cash Preferred Card from American Express is well-suited for consumers who regularly shop at U.S. supermarkets and subscribe to streaming services. With an impressive 6% cash back on grocery purchases (up to $6,000 annually) and select streaming services, cardholders can earn significant rewards on everyday spending.

Additionally, the 3% cash back on transit and U.S. gas stations adds further value for those who commute or travel frequently. However, potential users should consider the $95 annual fee, which could diminish the attractiveness of these rewards for those who do not spend enough to offset it.

Furthermore, the card requires a good to excellent credit score for approval, which may exclude some applicants. The variable APR, ranging from 19.49% to 29.99%, can also lead to expensive debt if balances are carried over. Overall, while the Blue Cash Preferred Card offers compelling rewards, it's essential to evaluate your spending habits to determine its true value compared to no-annual-fee cards or other cash back options.

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