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    American Express Blue Cash Preferred Card — cinematic 3D product illustration on a studio backdrop (amex-blue-cash-preferred).
    Credit Card
    Cash Back

    American Express Blue Cash Preferred Card

    Households that spend heavily on U.S. supermarkets, streaming, and gas.

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    View Official Terms Learn More at American Express

    Suggested credit

    Good to excellent credit (typically 670+)

    Annual fee

    Modest annual fee (confirm current terms with American Express)

    APR

    Variable purchase APR — see current Amex terms

    Foreign transactions

    Foreign transaction fee applies — not ideal for international travel

    Overview

    The Blue Cash Preferred Card is Amex's category-focused cash back card, aimed squarely at U.S. households that spend a large share of their budget at supermarkets and on streaming services. For heavy grocery spenders, the elevated rate at U.S. supermarkets up to the annual cap typically covers the annual fee several times over. The foreign transaction fee makes it a poor choice for international travel — pair it with a no-FX card for trips abroad.

    Rewards

    Earns elevated cash back at U.S. supermarkets (up to a stated annual cap), on select U.S. streaming subscriptions, and on U.S. gas stations and transit, with a base rate on other purchases. Cash back is delivered as Reward Dollars redeemable as a statement credit.

    Benefits

    • High grocery earning on U.S. supermarket spend up to the annual cap
    • Elevated cash back on select U.S. streaming subscriptions
    • Purchase and return protections on eligible purchases

    Pros

    • · Very strong earning for households with heavy grocery and streaming spend
    • · Straightforward statement-credit redemption
    • · Amex purchase protections and Offers ecosystem

    Cons

    • · Annual fee only pays off with meaningful category spend
    • · U.S. supermarket cap resets annually — high spenders may exceed it
    • · Foreign transaction fee — not a good card for international travel

    Approval guidance

    Amex offers pre-approval via a soft inquiry. Approval typically targets applicants with good-to-excellent credit.

    Confirm current terms before applying. APR, welcome offers, rewards rates, and fees change frequently. The definitive source is the issuer's own product page. This overview is educational and reflects the card's typical structure, not a snapshot of any specific offer.

    Reasonable alternatives

    Credit Card

    American Express Blue Cash Everyday Card

    Everyday spenders who want category cash back with no annual fee.

    Credit Card

    Citi Double Cash

    Cardholders who want a simple, high flat-rate cash back card with no annual fee.

    Credit Card

    Wells Fargo Active Cash

    Cardholders who want a straightforward flat-rate cash back card with a strong 0% intro APR window.

    Frequently Asked Questions

    How is 'U.S. supermarket' defined?

    American Express defines U.S. supermarkets narrowly. Warehouse clubs, superstores, and specialty food stores are generally excluded and earn only the base rate. Amex publishes the current list and definitions in the card's terms.

    How is cash back redeemed?

    Cash back is credited to your account as Reward Dollars, which can be redeemed as a statement credit at a minimum threshold. Reward Dollars do not expire as long as the account remains open and in good standing.

    Related resources

    Last updated 2025-01-05. Written by the UseYourCredit Editorial Team.