Blue Cash Preferred® from American Express

Blue Cash Preferred® from American Express Sponsored Card
Required Credit Score: Excellent
4.5 680 reviews   Write a Review!
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Blue Cash Preferred® from American Express's Rewards

Bonus
$100
Base Earn
1%
Max Earn
6%
Earn / Redeem Limit
No
  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
  • 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.

Blue Cash Preferred® from American Express's 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's Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   27.24% (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%
  • 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.
  • Terms and Restrictions Apply.
Apply Now
at American Express'
secure site

Blue Cash Preferred® from American Express Reviews

 
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4.3
Overall Rating: 4.3 / 5
Total Ratings: 680
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Mar 25, 2014
Photo of Roxane M.
5
By:
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
By:
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
By:
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
By:
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 $75 annual fee. You would be better off to get one without the annual fee and use the money saved towards an Amazon prime subscription (if that is something you want).
Jan 3, 2014
Photo of Jason C.
5
By:
There are cards like Chase Freedom that offer only some benefits. The prime feature that I really enjoy in this card is the 6% cash back feature on supermarkets. That is an amazing feature for anyone that often goes to buy groceries. Most cards will only offer 2% max cash back from very specific and useless stuff. It even comes with cash back when purchasing gas, which is a big purchase. I also am surprised that it comes with a amazon prime membership along with the 100 dollars it gives. That's like 200 dollars back. All in all, it seems like a really great card with many benefits.
Jan 2, 2014
Photo of Wil M.
5
By:
This card is great. Yes there is an annual fee, but you get amazon prime for a year, so it's sort of like just paying for amazon prime. The cash back is the best, you get lots back from groceries and gas, while getting 1% back on everything else.On top of all that, you get 100$ 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
By:
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
By:
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
By:
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.
Nov 29, 2013
Photo of Andrew L.
3
By:
Blue Cash Preferred from American Express is a great rewards card especially if you frequently make purchases on Amazon. This card provides a year of free Amazon Prime membership which gives you free 2 day shipping on most items and Amazon movies. My APR is quite high for this card due to my credit score, but I pay of the balance monthly therefore avoiding interest fees.
Nov 29, 2013
Photo of Scott M.
4
By:
Free amazon prime for a year? Sweet I'll bite. American Express offers some of the best membership rewards on all of their cards, including extended warranties, and extended return periods. Unfortunately this card does have a rather steep annual fee which I typically avoid when considering different offers, but the benefits this card offers outweigh the disappointment of an annual fee (for the first year) By spending 1000 in the first 3 months The Blue Cash Preferred card will offer you a 100 statement credit. The 6 percent grocery savings this card offers will be a valuable savings to the members of my family, and 3 percent on gas is more
Nov 27, 2013
Photo of Joseph G.
4
By:
The Blue Cash has astounding features to support it. Its a real steal to get a year's Amazon Prime account for free. I always shop online, be it BestBuy or Amazon and I have always felt bad to pay for shipping items less than $25. This card would be a great deal for that matter. However, I hate the reward points. I always vote for the cash back as I would be able to use the money to my taste rather than getting bound to shop in select stores under certain conditions! Had the initial $100 reward been in terms of real money, I would give it a 5 on more
Nov 20, 2013
Photo of David C.
3
By:
The Blue Cash Preferred card is a decent card depending on how you use it. As long as you take advantage of the reward system, then it is decent, but the annual fee can be a hefty burden if you don't take full advantage of the rewards. It has comparable rewards to other cards, although during some promotional offers, I think I would rather take some of the other cards available since they don't have the annual fee attached. American Express does have great customer care however, and should be taken into consideration. They've always addressed my issues with amazing care, which some other companies do not do as well.
Nov 17, 2013
Photo of Nik L.
4
By:
This Blue Cash Preferred card seems to have a lot of the same benefits as other cash back cards. I already have one with my bank that has similar gas and base % back, but the grocery % is significantly higher. Unfortunately the bank offers my card for free and this one costs $75 a year and I'm not sure, even with the additional % that I can even make up for that fee. Another downside is that the card is American Express, which isn't accepted at as many vendors as Visa or Mastercard, which would make it even harder to accumulate enough cash back to make up for the more
Nov 13, 2013
Photo of Christine B.
3
By:
The Blue Cash Preferred card from American Express looks like it has pros and cons. While it has great cash back perks on grocery shopping and gas, and there is a great initial bonus of $150, there is also an annual fee of $75 dollars. If you start out with a low credit limit, this will eat away at your balance right away. In my opinion, this would not be a good "starter" credit card for a young adult or college student due to the annual fee. When I was starting in college, I opened a similar card with Capital One with a $300 limit and a $100 annual fee. more
Nov 7, 2013
Photo of Quinn C.
3
By:
This card seems alright, however the 75 dollar a year fee seems a little steep for simply owning a credit card. Other cards offer rewards and high credit limits without having to charge such a large fee. I also am not fond of of "reward dollars" as rewards. On top of the fact that these rewards can only be used to pay your credit card bill, the amount you have to spend in order to reap any benefits seems high. I would much prefer air mile rewards that other credit cards offer. The no starting interest rate for 15 months, however, does appeal to me.
Oct 27, 2013
Photo of Carla M.
4
By:
APR isn't as high as other cards, but the rewards aren't exactly the greatest either. I would prefer flyer miles as opposed to "reward dollars", but in any case it's a reward that can always be used towards something!
Oct 22, 2013
Photo of Sarah M.
3
By:
For me it's hard to overlook the 75 dollar yearly fee to use this card, and the fact that getting it requires near perfect credit. Those are big draw backs. BUT if you are able to get the card and afford the fee, it offers some great rewards. The cash back for gas and groceries, along with the $150 back if you make $1000 in purchases is nice. Overall the Blue Cash Preferred card from American Express is decent card if you can get it, it's just hard to get.
Oct 17, 2013
Photo of Dan G.
3
By:
Lets start with the basics of Blue Cash's Preferred credit card, first you must have great credit, and secondly you must be willing to pay 75$ a year to keep using this, but with that out of the way lets start. This reward card has some very promising rates associated with it like 6% of food products, 3% on gas and shopping goods, and 1% on everything else. The real winning feature here is the 6% on groceries, everyone needs to buy them, and 6% cannot be beat by any other card hands down. The rewards money you get can be automatically used on your credit statement lowering your full more
Oct 11, 2013
Photo of Nick B.
4
By:
The Blue Cash Preferred Credit Card from American Express is my go-to credit card. It offers 6% cash back on groceries, 3% cash back on department store purchases/ gas purchases, and 1% back on everything else. There is a $75 a year fee, but you can make that back fast on grocery purchases. The cash back can be used as a statement credit or you can use the money to purchase household items through American Express. I have never had any major issues using this card anywhere American Express is accepted, even aboard. Every time I have called customer service they have been prompt and courteous to my inquiries.
Oct 11, 2013
Photo of Pascal J.
4
By:
If you have an excellent credit score, the Blue Cash Preferred from American Express looks like a winner. There is an intro rate of 0% interest for 15 months and you can earn up to 6% back on grocery store purchases. This looks like a good deal for a family who spends a pretty penny on their grocery bill. The regular APR falls between 12.99 and 21.99%. If you can keep your interest rate on the lower end, that seems like a fair APR. The drawback is that it is variable. That can sometimes be a burden if you are not careful with your finances. This card definitely beats the more
Oct 7, 2013
Photo of Jesse S.
3
By:
The Blue Cash Preferred from American Express card is an alright credit card. The 75 dollar annual fee is really high in my opinion. It does offer a good deal on money back though. The 6 percent on supermarket shopping is a pretty great deal. Don't take this card overseas though. The foreign transaction fee is 2.7 percent, which is not very good. There are plenty of other cards for that. I have the Citi Diamond Preferred credit Card and it has no annual fee, at all. It also has very similar reward system. The 75 dollar fee for this card is the big downer for me. Plus, you need more
Sep 30, 2013
Photo of Jennifer F.
5
By:
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.
Sep 24, 2013
Photo of Ben M.
4
By:
While most cards that come with annual fees have pretty average rewards, the American Express Blue Cash Preferred card has some really nice rewards that might be worth the $75/yr they are asking. For starters, you get 6% back on supermarkets with a cap of $6000 every year. That's about $500 a month in groceries, which I don't even come close to spending. Plus 3% back on gas stations and some department stores. The grocery perk alone is enough to justify this card, but if you spend much more than 6K per year you might not be getting the best bang for your buck with this card.
Sep 20, 2013
Photo of Kirstin F.
5
By:
Since I live in Texas, I drive a lot. I love the AMEX blue Cash Preferred because of the 3% cash back whenever I get cash. It's almost like making money back whenever I buy gas, which makes purchasing cash slightly less depressing. Although there is an annual fee of $75, I easily make this back in more when shopping for gas, groceries, and pretty much everything else. I usually make enough back on Christmas presents to get myself a little something something! The card is also virtually accepted everywhere, so I've never had any problems using it. American Express is also pretty aggressive when it comes to fraud or more
Sep 19, 2013
Photo of Andrew B.
5
By:
I love my AMEX Blue Cash Preferred. The card gives 6% back on groceries (up to $6,000/year, then 1% back after that), 3% back on gas (unlimited), and 1% back on everything else. You will have to do the math to see if the $75 annual fee will work out for you, because the regular Blue Cash card has no annual fee but only gives back 3% for groceries, 2% for gas, and 1% for everything else. I haven't had any issues with the card, so I can only speak about their initial customer service when I signed up. They were very friendly and I told them I was in more
Sep 16, 2013
Photo of Alex S.
5
By:
The Blue Card preferred by American Express is a great card. How many people shop at supermarkets? Everyone. Everyone can benefit from the great deal that they give, giving 6% cash back. They also give you money back for gas which is nice. The $150 bonus is nice too. There really isn't anything bad about this card. The worst things about it pretty much compare the same to other cards. APR is pretty average, as are the other rates. I will be sticking to this card for a while. The amount of grocery shopping I do makes it so worth having. I guess one con is that not everyone accepts American Express.
Sep 11, 2013
Photo of Chris B.
4
By:
American Express' Blue Cash Preferred card is definitely one of the better cash back credit cards to look at. The annual fee is not cheap at $75, but the 6% cash back at grocery stores is extremely high compared to similar cards. If you have a large family or simply buy a lot of groceries, you could make the annual fee back in a few months of shopping. The 3% back at gas stations should also be attractive to those with long commutes. The 1% cash back on all purchases is pretty standard, so if you don't spend a lot at grocery stores and gas stations you might be better more
Sep 10, 2013
Photo of Calvin H.
5
By:
The Blue Cash Preferred American Express Credit Card is undoubtedly the best cash back credit card you can get. The incredible 6% cash back for grocery shopping is unmatched by any other credit card out there. The initial sign-up bonus is also pretty nice; $150 for spending $1,000. If you use this for groceries, you should easily reach that within the given time frame. This also has a whopping 3% cashback on gas, which is pretty good considering the 6% groceries already. This is a very good main spending card. With 0% APR for 15 months, there's nothing bad at ALL with this card. This is a must have if you can get it.
Sep 5, 2013
Photo of Albert P.
4
By:
The Blue Cash Preferred from American Express Card is probably the best rewards credit card on the market right now. It has great rewards with a $150 signing bonus and cash back on supermarkets, gas stations, and department stores. Since I'm a college student, getting cash back on everything I buy is a plus. The 0% APR is also great and the cash back deal starts right when you sign up for the card. This is something I definitely could not live without.
Sep 4, 2013
Photo of Tiffany M.
4
By:
The Blue Cash Preferred Card from American Express has great bonus offers and the interest rates look good as well. I really love that it comes with a 15 month no interest rate introductory offer. That's definitely something that will be helpful. Other cards like the Wal-Mart Credit Card also offer deals like that with a 6 month no interest rate, but I've never seen one with one as long as 15 months that this Blue Cash card offers. The rewards for using the card at US supermarkets is great too because everyone has to shop at the supermarket. It's a card that can be helpful to everyone.
Sep 2, 2013
Photo of Binjy S.
4
By:
The Blue Cash Preferred from American Express looks like a card worth investigating. The introductory rate of no interest for 15 months really stands out. Another card I recently looked at, and actually liked, was the Discover More, but it offered "only" a 12 month intro rate of 0%. This one has it beat by 3 months. The cash rewards of 6% at US supermarkets is a really nice deal I think. I make most of my meals at home and spend most of my food money buying groceries. This would be a good card for a family who does a lot of grocery shopping. Here again is a variable more
Aug 23, 2013
Photo of Chris M.
4
By:
The Blue Cash Preferred from American Express is a great rewards card. When you are approved and spend a certain amount on the card within 3 months, you get $150 reward dollars which is a nice bonus. This card also has some of the highest cash back on purchases at supermarkets and gas stations I've seen. It's 6% at supermarkets, which is very nice and adds up quickly. There is a limit to how much you can earn yearly though. One downside to this card is the $75 annual fee, which isn't too outrageous, but it is a fee nonetheless. Overall this is a great card to have.
Aug 15, 2013
Photo of Lori Y.
4
By:
The Blue Cash Preferred credit card from American Express is a wonderful credit card for anyone who enjoys receiving rewards for their credit card use. Blue Cash Preferred offers a wide variety of perks such as a $150 sign on bonus, no limits on redeemable rewards, and earn at least 1% back on purchases. You can earn up to 6% with some purchases. The yearly annual fee is only $75. You can earn up to a 25% cash advance rate, which is a much better deal than you get with other leading credit card companies. Like always, the Blue Cash Preferred comes with a 0% intro APR for 15 months. more
Aug 15, 2013
Photo of Calvero D.
2
By:
So yesterday actually I was looking around for a new credit card not only to consolidate some debt on but also just to help build my credit. After a few hours of reading what seemed like endless pages of fine print I came to the conclusion that the Blue Cash Preferred Card From American Express is my best bet to archive my goal. It offers a nice 15 months of no Interest then when the interest does go up its only to 12.99% that's not bad at all considering what I'm paying now. This is not a card I will hang onto for every but for me I think it more
May 6, 2013
Photo of Nyla B.
5
By:
I have had my Blue Cash American Express card for about 5 years. It has been a great card. I have never had any problems with it whatsoever. I was able to get them to lower the interest rate to 9.9%. You can only ask for a decrease in interest rate once per year. Alternatively, you can either as for that or ask for a credit increase, but I don't think that they will do both at the same time. Each year we build up enough points to pay for birthday presents or something special for the kids such as Disney on Ice tickets.
May 6, 2013
Photo of Kimberly B.
5
By:
I have had the Blue Cash Preferred credit card from American Express for three years, and it is my favorite credit card. This card offers $150 back after you spend $1,000 in the first three months. If you purchase gas & groceries, the reward program cannot be beat. The card gives 6% rewards on grocery store purchases and 3% on gas. You also get 1% back on all other purchases. I usually take this as cash back on my statement (available in $25 increments) which essentially means I get free gas & groceries every month. The customer service is top-notch, and they are always quick to respond. My card was more
Apr 26, 2013
Photo of Isaiah H.
5
By:
The Blue Cash Preferred credit card from American Express is by far the best credit card I have ever had. They offer the best rewards I have ever seen. The annual fee is pretty low compared to other cards. They also give you $150 after you make your first purchase which is fantastic. The reward rates at which you earn rewards is also amazing. The interest rates are very low compared to most other credit cards as well. Since I have had this credit card, my credit score has improved substantially. When I have questions, the staff from American Express has always been there for me. They have answered all more
Apr 5, 2013
Photo of Brittanie Z.
5
By:
I love the Blue Cash Preferred Card from American Express. I’ve had it for about a year now and have no complaints. Customer service has always been pleasant and all the extras you get with the card are great. Right away you can earn $150 reward dollars after spending 1,000 in the first 3 months. You get 1% cash back on most purchases but 3% cash back when you put gas in your car and 6% cash back the grocery store. There are also ways to earn rewards faster by doing things like adding additional cards for your friends or family or enroll in automatic bill pay etc.. The interest more
Mar 21, 2013
Photo of Samantha J.
5
By:
I've been a customer of American Express for a few years. I have a few cards from them, and the blue cash preferred card is my latest one from American Express. I was invited to apply for this card about half a year ago. I have been using this card a few times a month for groceries since then, and have had a really good experience for this card so far. I love that I can get 6% cash back on my groceries. The savings more than makes up for the annual fee. I have only called customer service once to replace my card and they were very friendly. Overall, more
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Last updated on: Mar 28th, 2014 at 8:23 EDT