Cash back
Blue Cash Preferred® Card from American Express
The everyday cash-back card that doesn't pretend to be anything else.
Built for households that want straightforward cash back on the things they actually buy.
Apply on americanexpress.com →Referral link · we earn a bonus when approved
01 The welcome offer
Bonus
$250 statement credit
Spend requirement
after $3,000 in purchases in the first 6 months
Estimated value
$250 cash equivalent
02 What you earn
| Rate | Category |
|---|---|
| 6% | U.S. supermarkets (up to $6K/yr, then 1%) |
| 6% | Select U.S. streaming subscriptions |
| 3% | Transit (taxis, rideshare, parking, tolls, trains) |
| 3% | U.S. gas stations |
| 1% | All other eligible purchases |
03 The benefits worth using
- 0% intro APR for the first 12 months
- $84 in Disney Bundle credit ($7/month, when enrolled)
- Return protection on eligible purchases
- Car rental loss & damage insurance (secondary)
04 Fees & APR
| Annual fee | $95 — \$0 first year |
|---|---|
| Purchase APR | 19.24% – 29.99% variable (0% on purchases for first 12 months) |
| Foreign transaction fee | 2.7% |
| Cash advance APR | 29.99% variable |
Variable APR after intro period. Rate set at account opening based on creditworthiness.
05 Who this card is actually for
Best for
- Families spending > $300/month at U.S. supermarkets
- First-rewards-card territory — flat 6% on groceries is hard to beat
- Anyone who wants cash back, not a points game
Not for
- Frequent international travelers (2.7% foreign transaction fee)
- High spenders who'd outpace the $6K supermarket cap quickly
Ready to apply?
$250 statement credit
after $3,000 in purchases in the first 6 months.
06 The other two we cover
Disclosures
- Welcome offer subject to change. See application page for current terms.
- Cash back is received in the form of Reward Dollars; redemption thresholds may apply.
- All Amex card benefits are subject to additional terms; visit americanexpress.com for full details.
Last updated: 2026-05-05. Card terms change frequently — always verify on americanexpress.com before applying.