Blue Cash Preferred® from American Express
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:$75
- Network: American Express
Cash Back
| Initial Bonus $150 |
Base Earn 1% |
Max Earn 6% |
Earn / Redeem Limit No |
- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- 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.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
| Intro Rate 0% |
Intro Period 12 months |
Regular Rate 12.99%-21.99% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate12.99%-21.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 3% (min $5) |
- Terms and restictions apply.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 27.24% (V)
- Grace Period: 25 days
- Online Response: Yes
- Foreign Transaction Fee: 2.7%
If you currently have the Blue Cash Preferred® from American Express and are satisfied or you like the terms of this credit card offer please let your friends know.
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The card information shown on this page was last updated: May 24th, 2013 at 9:37 EDT
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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 at 01:50pm
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 used fraudulently one time and American Express took care of it right away, including sending a new card to me via next day air. I highly recommend this card to anybody!
May 6, 2013 at 01:35pm
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 my questions and have always fixed all my problems quick and easily. They always sound like they want to help with makes me feel respected as a client. I would recommend this credit card to anyone!
April 26, 2013 at 06:26pm
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 rate is standard or high depending on your credit, and the annual fee of $75 is a bit high, but if you take advantage of all the extras the card offers with discounts and services it will even out in the end and you will actually be gaining more even though you are paying a high yearly fee.
April 5, 2013 at 02:45pm
As a member of the American Express family for years, I have nothing but good things to say about the Blue Cash Preferred® card. When I first signed up, I received a bunch of miles loaded as their three month initiation period offered huge rewards based on the amount of purchases. My credit balance keeps increasing, while my interest rate continues to remain at a decent level. I am very good with money management, and I pay off my debt on a monthly basis, so this card is great for building credit. Plus I get all the perks that come with being a member of American Express.
April 5, 2013 at 02:38pm
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, I am very satisfied with this card.
March 21, 2013 at 11:29pm
This card has been ok. Honestly, at one point for no reason they decided to cap my account and it was really tough for me financially. I waited a few weeks and requested them to check my credit again, they did and removed the cap. It was frustrating and I was not happy with their customer service department. I had never had a set limit previously with this card. Other than this incident it has been ok. I accumulate points and am able to redeem them
February 21, 2013 at 07:43pm
I got the American Express Blue Cash card about a year ago. Let's be honest. It's okay. It's not amazing that the company hasn't stolen all your money from hidden fees. That should be expected. I don't like that they don't offer 0% on transfers. Otherwise, it's a decent alternative to the standard bearers Visa and Mastercard. If you're able to use an American Express, in particular an American Express Blue Cash Preferred, then you'll probably get better deals than with a Visa or a Mastercard. At times it's only competitive with Discover. I just wanted to let people know what's up because other people are practically saying it's the best thing since sliced bread and I like a little bit of honesty served up with my reviews.
February 15, 2013 at 06:15pm
I have used American Express for probably 2 years now. I have been pleased with this credit card. I love the low rates that are offered and I also love the rewards. American Express is a very trust worthy company in my eyes. I do travel quite a bit and this card is perfect for travelers. I will probably continue using this credit card, or the credit card company for a while. They have been good so far and seem like they will be good for a long time. The only down side is that sometimes the credit card is not accepted. Some stores don't take this credit card but for the most part, most stores do!
February 15, 2013 at 06:05pm
We have had our American Express for several years now. We have never had any problems with the company, and we appreciate the lower rates that they offer. In checking the statements, I have found no indiscretion that I have felt the need to call up the company to have them fix the problem. This is an indication to me that they must be a trust worthy company. The only drawback to using this card is the amount of vendors that don’t take American Express. I am a Costco girl myself, and as long as Costco accepts my card, I will continue to be happy with this card and plan to keep it for years to come.
February 8, 2013 at 07:02pm
I've been an Amex Blue Cash Preferred holder for over 3 years now and so far have been quite pleased with the benefits they have offered me over the years. After spending $1,000 on my card within the first 3 months, I received $150 as bonus reward. Their cash back rewards program is simply awesome and it helps you earn unlimited 1% cash back on virtually everything you buy. Moreover, there is no annual limit to your cash rewards. You earn 6% cash back for your purchases at U.S. stand-alone supermarkets; 3% cash back for gasoline at U.S. stand-alone gas stations and select major department store purchases. I use it primarily for groceries and gas and trust me I do save a great deal. The only negative thing is their annual fee of $75 which is not waived for the first year. However, by using your card very often you can easily get far more cash back than the annual fee. I highly recommend it to those who want to earn the highest cash back rate possible as this card is the best in the market.
January 25, 2013 at 05:56pm
When I got my American Express Blue Cash card a few years ago, it was an excellent card for me to have. I travel a lot, and the card is very easy to travel with. Although not everyone accepts American Express, many, if not most places that I go do accept it. I think I only experienced one place that refused it, which was good anyway because I really didn't need the splurge, anyway. It was a great card to use as a student. I was in grad school when I first got the card and making very little as a grad assistant while living on campus. This card was great for emergencies. It was nice to know that I had a reliable source of funds if the need presented itself. The cash back feature is also nice, but I really never used it enough to benefit too much from that feature. I also think American Express has great customer service. I'm extremely satisfied with Blue from American Express.
January 11, 2013 at 07:47pm
I have been using this American Express card for a little over two years. Generally it has been a very good card and I have been satisfied with it. The interest rate has been pretty reasonable and the other fees aren’t too bad. The rewards program definitely can make up for those if you use the card a lot. This is really helpful, especially if you pay off the card within a reasonable amount of time. The only complaint I have is that sometimes the card is not accepted when I am making purchases in stores. Some online shops don’t take it either. Aside from that this card has been really good and I have been extremely satisfied with it.
January 8, 2013 at 06:18pm
I had this card a while ago (about a year ago) and it was a decent card to use. American Express isn't always the greatest when it comes to being accepted everywhere but when they are accepted I used to usually bust out this one. The rewards were pretty good, especially at supermarkets where you would get 6% cash back. I also would use the card on gas because of the 3% cash back rewards on those purchases. The only thing I really didn't like about the Blue Cash Preferred Card was the annual fee of $75! You would need to spend $1250 in groceries at supermarkets just to break even with this card and I really didn't like that. I had a Costco membership so I switched over to The True Earnings card because of the no annual fee.
January 8, 2013 at 06:03pm
Overall, I love having this card. Not only do you get great cash back at grocery stores, but also at gas stations and other places as well. In fact I get 6% cash back at grocery stores. When you are making purchases for a family of 5, that really pays off quickly. At, first, I wasn't too keen on the 75 dollar annual fee; but, after doing the math I'll easily be making more than that back, just in cash back from grocery purchases. On top of all of that, I like the fact that it's an American Express. There is still a small amount of prestige in having this card.
January 8, 2013 at 03:09pm
I just recently opened an account with this card. I've never had an American Express card, mostly because U order online from a lot of overseas companies and they won't accept anything that isn't Visa or, very rarely, Mastercard. However, I am more than pleased with this card. The rates are great, much better than my Visa or Mastercard rates. I also really love the cash back rewards for grocery and gas purchases; I use this card most of the time when I go grocery shopping just to rack up awards. I've never had any problems with their customer service, and they've always been great with answering any of my billing or general questions. Highly recommended.
December 14, 2012 at 02:46pm
I opened up an account with American Express Blue Cash about two years ago and it has been a pleasure having this card in my wallet. The interest rate is low compared to my Mastercard and Visa cards. If American Express is accepted where I am shopping I always choose this as the card I use. Another thing about this card is the purchase protection American Express offers. I was on vacation in Miami, Florida and the first night I was there my rental car a Cadillac Escalade was stolen from the hotel parking lot. I needed to rent another truck right away but my credit limit was at its maximum. I called American Express and explained my situation and they temporarily extended my credit limit so I could rent another vehicle. I was very impressed. They even sent me flowers when I got home from my vacation saying how sorry they felt about my situation. Love this card.
December 7, 2012 at 06:30pm
I have used this card in so much over the years. I use it to track my spending through the month and pay it off each month. On the months I run short...I pay what I can & catch up on the next due date! Works great!!!
December 7, 2012 at 04:53pm
I opened up an account with American Express Blue Cash about a year ago and I have been very impressed. They were offering up to $150 if you charged $1,000 in your first 3 months. I charged this and more and was amazed at how easy it was to receive the $150. I also love the cash back on groceries and gas since this is what I use my card for most. All in all the features offset any of the fee's etc that are associated with this card. It's true that there are cards out there that have lower fee's but with all that you get back from this card, and their amazing customer service, I would say it is well worth the little extra out of pocket cost.
November 30, 2012 at 06:12pm
This is hands down the BEST credit card I own. American Express is the most prestigious credit card company in the industry. American Express is also very safe, they always have your back. I am confident that protect their customers against credit card fraud. I signed up for this card after graduating college and began using it at the peak of my professional career. My job requires me to travel quite often, so I have been able to rack up A LOT of reward points thanks to the 3% cash back on gasoline. I was also able to rack up the 150 dollar after my 1k purchase. The reward dollars came in handy because I was able to use them towards my dream purchase. The annual fee is also extremely low considering you are having the privledge of using the BEST credit card company on the market.
November 30, 2012 at 05:04pm
I had this card throughout my first few years of attending my undergraduate school. For the most part, it's features outweigh any fees, etc. The main reason I got it was the rewards/cash back, but also because the interest was lower than any other card I've had in the past. For every thousand dollars spent, you get a pretty decent amount of reward dollars, and while that was a plus, it's somewhat outweighed by the fact that you have to pay an annual fee to use the card. The fee isn't exorbitant but when you're a student, pretty much any annual fee on the card hurts your wallet. Still, the rewards were pretty handy, especially the 2% back at gas stations, which was far better for me than the 'standalone supermarket' cash back.
November 23, 2012 at 11:03pm
I love my Blue Cash Preferred card from American Express! I love it because of the low annual fee, the quality that I know I always get from American Express, and espeically because of the cash back rewards! Who doesn't love making some money buying the things they already need to buy? I sure do. I only have to spend $25 a week at the supermarket to earn 6% cash back. I love that! I don't know any one that doesn't spend at least that much per week at a grocery store. With grocery prices going sky high, getting a little bit back is a huge relief!
October 11, 2012 at 01:51pm
American Express has been the standard for business credit cards for years, and with their new Blue card, they just continue to raise the bar. Blue not only gives you the standard quality and backing of American Express, but adds a great cash rewards program. The standard 1% on purchases can be found anywhere, but Blue also offers 3% on gas and 6% on groceries. Looking at that 3% sure makes me a lot happier every time I’m filling up my gas tank. Unlike some rewards cards, Blue also offers the rewards as a straight payment back on the account, rather than having to use the points to buy things I don’t really want. They also offer an additional $150 if you spend $1000 in the first three months, so where can you go wrong?
October 4, 2012 at 01:41pm
I've had the Blue Cash Preferred American Express card for over five years and have been very happy with it. I was in another country when I was having breakfast with my friend at a out-of-the-way "quant" breakfast restaurant. However, I paid the bill and then my friend looked at the receipt and realized that I had been charged nearly 10 times the actual value of the meal. On the final receipt, the decimal point had been moved over several times. This sounds crazy, but it actually happened. We were almost 30 minutes away when my friend realized this, so we had to drive back. I talked with the manager and they said they had it resolved, but come a month later I still have that charge. I had told Amex I was going to be traveling in this country, so I realize why I wasn't alerted to this purchase. However, Amex was able to get my money back from the restaurant, which was a huge relief. It was a bizarre situation and I was glad to have the customer service from this card in my corner making sure that I wasn't charged the outrageous amount for this meal. So, overall amazing customer service.
September 14, 2012 at 03:55pm
I love this credit card. A few years ago, I was in a search for a new card after finally paying down several thousand dollars of credit card debt. I was coming from a bare-bones Visa that I was given right after turning 18, which had no reward structure of any kind and which I had been maxed out on for years. It was an awful experience. I finally paid it all off, and I wanted something with good rewards that I could pay off every month and still make a little return on. I've found that the 6% back at grocery stores adds up very quickly, and their customer service has been fantastic. I've never used the reward structure for anything except the cash back, but that's exactly what I was looking for anyway. There are still some places out there that don't take AMEX, so you may not be able to have this as your only card, but when you use it where you can (especially grocery stores and gas stations), it's great. Highly recommended.
September 14, 2012 at 03:09pm
I have had the Blue Cash Preferred for a year now and I am nothing but thrilled with both the cash back and the service American Express provides. If you spend a decent amount on groceries, the 6% back on groceries alone makes it worth the $75 annual fee (this is in comparison to the no annual fee Blue Cash Everyday that gives 3% back on groceries). The 3% back on gas and department store purchases is just icing on the cake for me (I don't spend much on gas). As for the customer service, American Express is extremely helpful on both the phone and by email. Email usually receives a response within a few hours. This card has become my everyday card.
September 5, 2012 at 08:09pm
I have the American Express Blue Cash Preferred card and I prefer it to other cards I've had. I have a nice low APR. Yes there's an annual fee, but that is more than made up for by the generous rewards program. I use this card for all of my everyday needs such as gas and groceries and my rewards add up very quickly! I love the wide variety of rewards that are available - there is a large selection of gift cards, quite a few electronics and other actual items that you can purchase with your points, or you can choose cash back and get a credit on your account. I let my rewards add up and then buy gift cards for Christmas shopping, but that's just me. I like that I can choose how and when to use my rewards. Another thing I like about this card is the website. It is so easy to view and manage my account and they have a very easy to use program for categorizing and tracking your spending. I have had a couple other cards in the past that had similar programs, but they were not as user friendly as this American Express one. Overall I have had a great experience with this card and plan to keep it for many years to come.
September 5, 2012 at 04:06pm
This is a great credit card. I use it primarily at the grocery store because it pays a rate of 5% on all groceries. Once I surpass the $6500 threshold of spending in a calendar year, my rewards rate also increases (from 1% to between 2 and 6%, depending on the type of purchase). Anyone who is forced to make everyday purchases such as gas and groceries would benefit financially from this card, as you are receiving money back for things that you would be forced to buy anyways. Everyone should be careful to pay the balance promptly, because the variable rates after the introductory period can be substantially high, as is the case with most credit cards.
August 30, 2012 at 07:42pm
This is my third credit card, and so far it is not exactly my favorite. I usually draw the line when it comes to applying for anything that has yearly fees, but I was tempted by the $150 free for making $1,000 in qualifying purchases in the first three months. I achieved that easily, and did get my bonus, but it felt like two steps forward and one step backward, because the $75 came out of this reward. I also was able to get no interest for a year after signing up, so it quickly became my “safe” card to put larger purchases on while I saved up to pay the sum off in one go. I felt that even after the first year was up, I would be coming out ahead by earing 6% cash back on my grocery purchases. But I often shop at stores that are not recognized solely as supermarkets, so my purchases never get classified under the 6% returns, but instead under the 1%. This has really slowed down my accrual of cash back, and after the “honeymoon” year is up, I don’t think I will be continuing with this card. I don’t really use the perks that come with an American Express card, as I am not interested in luxury items, but rather how to stretch my dollar a bit further.
August 30, 2012 at 06:18pm
I've found the Blue Cash Preferred card to be a great all-around credit card. I applied, and received zero percent interest for twelve months, along with a $150 bonus for spending $1,000 in the first three months I had the card (easy to do, just pay your everyday bills with the card!). So far, I'm very pleased with the ease-of-access and manageability of my account online, as well as with American Express' customer service. It's a very straightforward and simple-to-understand rewards system, and I love that the higher-earning cash back categories are for purchases I make regularly such as at grocery stores and gas stations! Those categories really add up! Of course, the interest rate is on the higher side, but that is to be expected with a rewards card of any type. You just have to be careful not to carry a balance! All in all, this is a great card to use!
August 30, 2012 at 01:54pm