Blue Cash Preferred® from American Express

blue cash preferred credit card Sponsored Card
Required Credit Score: Excellent
4 840 reviews   Write a Review!
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Blue Cash Preferred® from American Express’ Rewards

Bonus
$100 + 1yr of Amazon Prime
Base Earn
1%
Max Earn
6%
Earn / Redeem Limit
No
  • Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $100 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% on 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   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%
  • 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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4.2
Overall Rating: 4.2 / 5
Total Ratings: 840
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Nov 24, 2014
Photo of Justus J.
4
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.
Nov 18, 2014
Photo of Jen F.
4
By:
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
By:
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
By:
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
By:
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
By:
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
By:
Best customer service ever !!
Aug 1, 2014
Photo of Amanda S.
3
By:
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
By:
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
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
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
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Aug 17, 2014
Photo of Robert K.
By:
How do I get to my acct to pay my bill for amex blue?
Editor's Pick

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Last updated on: Nov 24th, 2014 at 10:49 EST