Advertiser & Editorial Disclosure

Blue Cash Preferred® Card from American Express

Earn a $250 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 intro 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 eligible 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, 17.74% to 28.74%. 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. Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Terms Apply.

Nav's Verdict

Cost
60% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
60% Complete
PoorGood
Features
60% Complete
PoorGood

Bottom Line

A great card for those looking to maximize their rewards across several categories. This card has high rewards rate and a generous bonus offer but spending on bonus rewards are capped.

Pros

Generous rewards on certain spending categories.

Cons

The annual fee may not be worth it if you don't spend much in the bonus categories.

Rates and Fees
Intro APR
0% on purchases for 12 months
Purchase APR
17.74%-28.74% Variable
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Rewards Rate
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.
Foreign Transaction Fee
2.7% of each transaction after conversion to US dollars.

Reviews

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