Blue Cash Preferred® from American Express

american express blue cash preferred Sponsored Card
Required Credit Score:
Excellent
4 965 reviews   Write a Review
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Blue Cash Preferred® from American Express’ Rewards

Bonus
$150
Base Earn
1%
Max Earn
6%
Earn / Redeem Limit
No
  • Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
  • Terms and limitations apply.

Blue Cash Preferred® from American Express’ Key APRs & Fees

Intro Rate on Purchases
0% for 15 months
Intro Rate on Transfers
0% for 15 months
Regular Rate
12.99%-21.99% (V)
  • ANNUAL FEE $75
  • BALANCE TRANSFER
    FEE
    3%

Blue Cash Preferred® from American Express’ Additional Info

  • MAX LATE FEE   $38
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.24% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE
    RATE
    25.24% (V)
  • CASH ADVANCE
    FEE
    3% (min $5)
  • FOREIGN
    TRANSACTION FEE  
    2.7%
  • SMART CHIP   No
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
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Blue Cash Preferred® from American Express Reviews

 
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4.1
Overall Rating: 4.1 / 5
Total Ratings: 965
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Jun 26, 2015
Photo of Megan D.
4
Jun 26, 2015
I use my Blue Cash Preferred American Express Card all the time. It offers great perks like cash bonuses, excellent customer service, and additional insurance coverage on purchases.If I have any dispute they resolve it in an orderly and efficient manner. If you are someone who prefers to pay off their balance every month and enjoys all the benefits mentioned above, then this card is for you. The only drawback is that some retailers do not accept Amex, apparently because of their high fees for usage. Otherwise, very happy with the card.
May 13, 2015
Photo of Mary E.
4
May 13, 2015
I think this definitely provides a lot of good benefits...for the last 2 years I had been using the Citi Hilton Honors Reserve card. I like all the hotel benefits with that one because I work in the hospitality industry, and the automatic Gold HHonors status and free night starts were a great perk, however with the Blue Cash card I feel like the cash back benefits are more flexible and practical...I can get cash back on most of the things I'm already buying and put that towards my statement. Plus the annual fee is only $75 ($95 for my old Citi card), the interest rate is lower and generally more
Apr 8, 2015
Photo of Jeff F.
5
Apr 8, 2015
If you can get accepted, the Blue Cash Preferred Card from American Express is an excellent all-around credit card. Excellent rewards which accrue over time, 150 back in the first three months if you spend 1000 or more (easy if you use this for a large purchase), and all the normal benefits that come with being an American Express customer. This card is also great for groceries as you earn 6% back from US Supermarket purchases.

Overall, this is a really solid card. There's nothing I don't like about it. Compare to say the Capital One Journey Card and you have more benefits, a lower interest rate, and an all-around solider more
Mar 24, 2015
Photo of Jackie F.
5
Mar 24, 2015
I applied for the Blue Cash Preferred Card from American Express a few months ago. I am very pleased with it. I have a large family and the 6% cash back reward was ideal for me with what I spend yearly on just groceries alone. There are so many other rewards you get as well with stores you may use more often. I am a happy customer and I would recommend this card to anyone.
Mar 23, 2015
Photo of Nast R.
1
Mar 23, 2015
Extremely slow in calculating the rewards balance. The current statement will include the rewards balance for the previous cycle. The webpage does not show the same rewards balance as the statement. It takes 4-5 days to get updated. You have to wait until you reach $25 or more to be able to redeem while with Capital One you see the rewards balance in real time and you can redeem it any time with no minimum amount limit. Overall, the feeling is that they try to delay the redemption of the rewards as much as possible. Why does it take them months to calculate the rewards balance when all other credit more
Mar 9, 2015
Photo of Jonathan C.
5
Mar 9, 2015
I just received the Blue Cash Preferred from American Express and i love it! It has the best security features for a credit card i have seen so far. Getting 6% back on groceries is great. The annual fee is recovered quick so it is no big deal. On top of it all, the free Amazon Prime for a year is the icing on the cake. You will not regret this card from American Express!
Mar 1, 2015
Photo of Wyn V.
1
Mar 1, 2015
BEWARE!! BAIT AND SWITCH! AMEX is a scam! They do NOT provide reward points breakdown in any manner to the customer. They only way for you to know what you get back for points is to call and inquire about each purchase, they do not provide this for the customer to review online or on print out or in the statement! There is no way to verify you are getting the points they advertise! For example: I purchased an ipad from Apple, this is one of the "additional reward points retailers" that you are supposed to get 6% back for. When I called and did an online chat with amex more
Feb 27, 2015
Photo of Kelly W.
5
Feb 27, 2015
Great card if you spend $6000/year (or $500/month) on groceries at regular supermarkets (I.e., Albertsons, Vons, Trader Joes, Whole Foods). Do the math. $6000x.06=$360. Subtract the $75 annual fee and you are way ahead of the AMEX Blue Anyday card. The gas at 3% and select department stores is an added bonus. We limit our purchases for this card to the foregoing. Everything else (Dining out, ATT, Cable, Costco, Target, travel, etc) goes on our Fidelity AMEX which earns 2% on all purchase to be distributed to a fidelity stock account.
Feb 20, 2015
Photo of Timothy G.
4
Feb 20, 2015
I enjoy the Blue Cash Preferred from American Express. If you are a regular shopper with your credit card, earning the $75 annual fee back in terms of rewards can come quite quickly. The 6% back on groceries is an awesome perk for any family. However, you would have to make sure you are shopping at a traditional grocery store rather than a SuperCenter. I like earning 3% at gas stations. Anything that can lower the price at the pump is helpful. The APR between 12.99% and 21.99% is very fair and better than many other credit cards I have researched lately. The current credit card that I utilize does more
Feb 18, 2015
Photo of Dave S.
4
Feb 18, 2015
This is a good card however read the fine print on groceries. Besides the $6000 annual limit, if you grocery shop at warehouses like Cosco you do not receive the 6% and the same applies if you do food shopping at places like Target stores and Walmart.
Feb 16, 2015
Photo of Jared S.
4
Feb 16, 2015
This card is one of the best cash-back cards out there. 6% on groceries up to $6000/yr is a great deal, and the 3% on gas and department stores still outpaces most other cards. If you use this card smartly, the annual fee is basically a non-factor. With my spending, I figure I"ll be able to quadruple my cash back over the card I switched from in my first couple years. As with all credit cards, none of the perks matter if you carry a balance on it: you can't beat compound interest. But use it smart, and you can get a good deal here.
One star off for the annual more
Jan 7, 2015
Photo of Amanda C.
5
Jan 7, 2015
The Blue Cash Preferred Credit Card has been saving me money. I'm an avid Amazon shopper and their $100 cash back program for purchases there has been fantastic. Plus it includes Amazon Prime which is saving me a ton in shipping. Their other rewards programs that give me cash back on my groceries and gas really add up as well. Their rates are on par with the card I was using from Capital One and the perks are fantastic.
Dec 11, 2014
Photo of Katie C.
5
Dec 11, 2014
I love the one free year of amazon prime - great marketing for amazon prime because I will probably purchase it for next year! The 6% at supermarkets is the best I have seen around. And on top of that, 3% at gas stations and department stores which pretty much sums up all of the purchases I would be making on a credit card. Not to mention, 0% for the first 15 months. I am extremely happy I found this card and will probably end up making it my main credit card from now on.
Nov 24, 2014
Photo of Justus J.
4
Nov 24, 2014
The Blue Cash Preferred Card from American Express is an excellent card. The first strength in this card is that you get a $150 bonus for starting up the card, which is excellent. You will earn 150 in reward points in the first 3 months if you spend $1,000. The reward bonuses can be redeemed as a statement on the credit, which is also excellent. You get 6% back for supermarkets, 3% for gas stations and select department stores, and 1% for other purchases. All in all, this card is excellent if you like to get the best bang for your buck.
Nov 18, 2014
Photo of Jen F.
4
Nov 18, 2014
I just started using the Blue Cash Preferred card and I love it. I just got my $100 bonus and 1 free year of Amazon Prime because I spent $1,000 in the first 3 months! The only thing I don't like is that there is a $75 annual fee.
Nov 7, 2014
Photo of Erin K.
4
Nov 7, 2014
I have had this credit card since 2008. In the years of using it, my credit line limit went from $200 up to $1100 limit. This has probably been one of the few credit cards I have ever owned with not an insanely high interest rate. This may or may not have to do with the current limit set by American Express. Other credit lenders have given me up to $10000 credit limits but the interest isn’t the best. I believe I will always continue to have this card in my possession. It’s nice for when I may have an emergency.
Oct 13, 2014
Photo of Scottie E.
4
Oct 13, 2014
Cash Back on Groceries:
This card first caught my eye because of the benefits it offers. It offers 6% back on grocery purchases. This is attractive because it comes back to you in cash - not in points or air miles that limit how you use them. 6% back in cash is great, especially because of the wide variety of items you can get at most grocery stores now. Think about getting gift cards to starbucks, amazon, or some other place at a grocery store and getting the cash rewards on it. You can also get 3% cash back at gas stations and department stores. That is essentially 9 cents off more
Oct 6, 2014
Photo of Joao C.
5
Oct 6, 2014
With this Credit card from American Express has the best of the best. The best Security and the best rewards out of all the credit cards I have. I love this card.
Oct 3, 2014
Photo of Trevor F.
4
Oct 3, 2014
I got this card because the benefits appealed to me. There are a lot of award options. If you use your credit card in order to get rewards then this is the card for you. Also, if you are having problems with your card, in my experience, they have had great customer service. They are really willing to help you. Lastly, in order to get this card you must have good credit so pay attention to that. Overall, a good card and would suggest it.
Sep 13, 2014
Photo of Abhineet K.
5
Sep 13, 2014
Best customer service ever !!
Aug 1, 2014
Photo of Amanda S.
3
Aug 1, 2014
I signed up for the blue cash preferred card by American Express with the intent of only having it for emergencies, but after my car failed me, and I needed repairs, I easily spent 1,000 my second month of having the card....luckily I earned that $150 cash back. Once I realized how easy it was so spend and earn rewards, I began to use it more frequently. This card really is great, only default I dislike is the APR rate does increase further down the road.
Jul 18, 2014
Photo of Rock A.
1
Jul 18, 2014
Read the fine print. I signed up here and then was told I don't get the 15 month 0% APR or the $150 statement credit. American Express customer service is absolute garbage
Aug 28, 2014
Photo of Yiting Z.
Yiting Zhang
Aug 28, 2014
I experienced exactly the same thing! Didn't got the $150 bonus, the customer service keep telling me that there is no such thing with my card. Feel bad
Jul 14, 2014
Photo of Eric C.
2
Jul 14, 2014
The Blue Cash Preferred card deems to have a number of perks. The initial 0% interest rate is a great perk and it lasts for 15 months, unlike the 12 months that a Bank of America credit card lasts. The 25 day grace period is good, but like all credit cards, the interest rate is atrocious. If you want a credit card, the Blue Cash Preferred may be a good one. Just don’t plan to get rich from the $150 back after spending $1,000.
Jun 27, 2014
Photo of Merissa A.
5
Jun 27, 2014
I have had this card for a little over 8 months now, and I love it! There is a relatively high annual fee of $75, but with the $150 sign on bonus, that is basically covered for two years. Plus, you really can't beat the cash back bonus on groceries. Having three boys who can clean out a refrigerator in 2 days, this is definitely a huge plus! I also love the fact that there is no cap on how much cash back you can earn, like with a lot of other companies. The APR is a little high later on, but overall a great card to have!
Jun 26, 2014
Photo of Randi L.
4
Jun 26, 2014
The Blue Cash Preferred from American Express is a good card if you use your card frequently due to the great rewards! I like that you can earn cash back on purchases, especially on groceries and gas! The introductory APR is also great! My concern is that the post-introductory APR is pretty high.
Jun 4, 2014
Photo of Bianca H.
3
Jun 4, 2014
This card is ONLY for people with excellent credit. If you're in the "Good" range, you won't qualify. You get $150 back if you spend $1000 in 3 months, which is easy if you use this card for groceries and gas. This card gives 6% cash back for supermaket purchases and 3% for gas purchases, so you would only want to use this card for those things. You can redeem cash back in the form of Reward Dollars and they credit your statement for that amount. There is a high annual fee of $75. Get 0% interest on purchases and transfers for the first 15 months. This isn't a credit more
May 23, 2014
Photo of Becky W.
4
May 23, 2014
The Blue Cash Preferred credit card from American Express is a great credit card to have. I have always preferred to used an American Express credit card when I need to purchase items on credit due to the their rewards program and low interest rates. Over the years, American Express has become more popular, and more and more restaurants and stores are accepting them compared to years past. I advise individuals who want a second credit card, to get an American Express Blue Cash Preferred card.
May 22, 2014
Photo of Elease L.
4
May 22, 2014
My husband and I have used this card for almost two years. When we signed up, it was with the $150 cash back bonus, basically offsetting two years of the $75 annual fee. I'm not familiar with the Amazon Prime deal other reviewers are mentioning. We will continue to use this card going forward though; the cash back is wonderful! I put ALL of our groceries on this card, so we get tons back on the 6% grocery rebate. The 3% on gas/department stores is nice, too, along with the 1% on everything else. We actually recently started combining our use of this card with the Chase Freedom VISA card, more
May 20, 2014
Photo of Shanna H.
5
May 20, 2014
American Express has a great offer with this Blue Cash Preferred Card, but...you do have to have great credit to qualify for the card. Versus the Capital One Venture Rewards Credit Card, which I have had for several months now, this card is a step up in some ways, but does not offer any frequent flyer miles and the Capital One Card offers 20,000 bonus miles. So if you travel a lot, you might be better off with the Capital One Venture Rewards Card. The penalty on this card is better and that can be a big deal depending on your situation. The cash advance rate is poorer than the more
May 13, 2014
Photo of Jesse P.
4
May 13, 2014
The Blue Cash Preferred from American Express is a pretty good card if you have the credit for it. 6% cash back is higher than many of the competitors, and they sweeten the deal even further with a $150 bonus after your first $1000 spent. When paying that back, it's no rush because the card comes with 15 months interest-free! After that, it's pretty good for this kind of card, with most people usually in the mid-teens. Check it out!
Apr 29, 2014
Photo of Stan M.
5
Apr 29, 2014
Things that I liked about this card were that the interest rate was a lot lower than other cards, ranging from 12.99-21.99%, the 0% intro rate for purchases for 15 months, the 0% rate for balance transfers for 15 months, one year free of Amazon prime, the 6% cash back at US markets, and lastly the $100 statement credit you get after you make $1000 in purchases for the first 3 months. The Blue Cash Preferred from American Express has a lot of perks and is a great card to have!
Mar 25, 2014
Photo of Roxane M.
5
Mar 25, 2014
Because we are a military family American Express blue cash helps us out in so many ways. I used it for grocery and got 6% cash back to 3% cash back getting some gasoline which is 3% cash back. Every where you go this is truly a big help for us. We drove back from Alaska to here in Alabama and used our bank of America for our gasoline and got cash back from it. I will recommend this card to any one of you this is a big saving reward card and as of now, I never had a problem with it even my husband. And our yearly membership more
Feb 27, 2014
Photo of Jessica H.
3
Feb 27, 2014
At first glance, this seems like a great card. The Amazon prime sounds fantastic - however, buying it on your own only costs $79 - and this card has a $75 annual fee. So that doesn't really count in your first year. That leaves the $100 initial bonus, not bad, and the 0% intro rate is nice. You could use it to take advantage of a big purchase you plan to pay back slowly. Overall, American Express is known for great customer service. This is better than store cards (not saying much) but worse than many other credit cards out there.
Feb 12, 2014
Photo of Margaux L.
5
Feb 12, 2014
We have been incredibly pleased with this card. I have never had a fee-based card, but because we are a military family, American Express waived the yearly cost. The 6% return on groceries is terrific. The returns practically wipe out any sales tax we might pay. This is the only card I use for grocery purchases. 3% back on gas is pretty good, and the Blue Cash Preferred is my go to when gas is not the currently recognized category on my Chase Freedom card. I initially thought I'd close this card after receiving the incentive pay, but the grocery and gas rewards have kept me using this card. My more
Jan 15, 2014
Photo of Luke N.
2
Jan 15, 2014
The initial bonus and Amazon Prime membership (worth another $79) is an okay benefit to this Blue Cash Preferred card from American Express. However, this American Express suffers from having a $75 annual fee. There are way too many credit cards, including Blue Sky cards from American Express (if you catch them at the right time), out there that do not have an annual fee to ever get one with a $75 annual fee. You would be better off to get one without the annual fee and use the money saved towards an Amazon prime subscription (if that is something you want).
Jan 3, 2014
Photo of Jason C.
5
Jan 3, 2014
There are cards like Chase Freedom that offer only some benefits. The prime feature that I really enjoy in this card is the 6% cash back feature on supermarkets. That is an amazing feature for anyone that often goes to buy groceries. Most cards will only offer 2% max cash back from very specific and useless stuff. It even comes with cash back when purchasing gas, which is a big purchase. I also am surprised that it comes with a amazon prime membership along with the 100 dollars it gives. That's like 200 dollars back. All in all, it seems like a really great card with many benefits.
Jan 2, 2014
Photo of Wil M.
5
Jan 2, 2014
This card is great. Yes there is an annual fee, but you get amazon prime for a year, so it's sort of like just paying for amazon prime. The cash back is the best, you get lots back from groceries and gas, while getting 1% back on everything else.On top of all that, you get 100$ initially when joining. So that in itself already covers over a year of the annual fee. This card is great.
Jan 2, 2014
Photo of Anastasia B.
3
Jan 2, 2014
Blue Cash Preferred from American Express - 6% for groceries and 3% for gas, both great deals, but there has to be a catch.
These percentages are high and not likely to stick around for long. It seems like they want to lure you in and then they will change the terms. I will not ever have a credit card that I have to pay a fee to have. The company is already making money off of my interest, and they want to charge me additional money? So, in reality, you really are paying for the Amazon Prime subscription. I like the 0% interest bonus but you better have excellent more
Dec 21, 2013
Photo of Cameron M.
5
Dec 21, 2013
Blue Cash Preferred is probably my favorite AMEX card. The annual fee of only $75 is awesome, the reward system is top line, and the regular rate is not that high either. Plus, the initial bonus of $100 and the free 1 year of amazon prime are just awesome added bonuses. This is a card one should definitely check out.
Dec 5, 2013
Photo of Thomas B.
4
Dec 5, 2013
This was my favorite card until the recession hit and they started scaling back the credit limit (unlike the Chase card that kept it the same). If you qualify for it, then absolutely put $1,000 through it the first 90 days to get the $100 bonus. Also the Amazon Prime shipping is a good deal if you buy through them a lot like I do. I just don't know how they do some of the cash back rewards like 6 percent at grocery stores when that place swipe rate is going to be around 2 percent or less to begin with.
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Aug 17, 2014
Photo of Robert K.
Aug 17, 2014
How do I get to my acct to pay my bill for amex blue?
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Last updated on: Jun 26th, 2015 at 10:51 EDT