Blue Cash Preferred® Card from American Express

Required Credit Score:
Excellent
1,157 reviews   Write a Review
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Blue Cash Preferred® Card from American Express’ Rewards

Bonus
Up to $350
Base Earn
1%
Max Earn
6%
  • Special Offer - Get up to $350 back. Offer Ends 6/15/2016.
  • Get Cash Back: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 3% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash PreferredĀ® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only get cash back on eligible purchases.
  • Terms and restrictions apply.

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

Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months
Regular APR
13.24%-23.24 (V)
  • ANNUAL FEE $75
  • BALANCE TRANSFER
    FEE
    3%

Blue Cash Preferred® Card from American Express’ Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.49% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE
    RATE
    25.49% (V)
  • CASH ADVANCE
    FEE
    3% (min $5)
  • FOREIGN
    TRANSACTION FEE  
    2.7%
  • SMART CHIP   Yes, chip-and-signature
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
Apply Now
at American Express’
secure site

Customer Questions and Answers

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What credit score do you need to have to qualify for this card?
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Photo of Behr A.
Apr 13, 2016
Average Approved Score ‡
695
Typical Low‡: 641
Typical High‡: 781
18 Votes 36 18

I am seeing confusing reviews about the Blue Cash Preferred card. Do you get 6% back on any items in a grocery store, such as Fresh Market? Does that include wine, flowers, stamps, gift cards etc.? I know that AX more
Reply

Photo of Behr A.
Apr 13, 2016
Get in touch with a credit card specialist at American Express.com
4 Votes 8 4

I'm confident I'll qualify. The question, based on one experience below, will it be with a limit adequate to justify the shift? I use a BoA Cash Rewards Visa and earn only partial "rewards credit" on grocery and gas, becuase more
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1 Votes 5 4
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Customer Reviews

Share your insights and review the Blue Cash Preferred® Card from American Express.

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4.1 out of 5

1,157 reviews
45%
30%
17%
6%
2%
Photo of Card H.
Feb 6, 2016
The American Express Blue Cash Preferred Card is in the top tier of rewards offers, representing an excellent everyday spending vehicle for people with excellent credit who want to subsidize their gas and grocery expenses. In addition to giving you a $150 initial bonus in return for spending at least $1,000 during the first three months your account is open, Blue Cash Preferred promises to provide 6% cash back on the first $6,000 in purchases that you make at the supermarket each year (1% thereafter), in addition to 3% cash back on gas and 1% on everything else. It also offers 0% introductory interest rates on new purchases and balance more
Photo of Jim L.
May 18, 2016
They are very closed mouth on where you can get credits. I put over 12000 dollars on my card the first 4 months i have had it and only received about $75 in credits less the additional $150 i received for using the card. They are unable or unwilling to tell you where you receive the credits that you have received. Its a screwed up mess.
Photo of Trish K.
Feb 27, 2016
I love this card. I just got my first statement and I was surprised to see I already got almost 30 dollars back in cash rewards mostly from the 6 percent back on grocery store purchases. I also already got my $150 dollar credit for spending $1,000 in the first three months. . Zero percent interest for the first 15 months is a great help too. That is allowing me to pay off my other credit cards faster that do have interest charges. Three percent back on gas and one percent on everything else plus all the other perks make this a great card all around. As others have warned, more
Photo of Peter
Feb 19, 2016
I got this because I am a big grocery shopper, and this card gives me 6% cashback reward. Gas cashback is also good at 3%, which is still amazing. Definitely a great card if you buy a lot at supermarkets and pump a lot of gas.
Photo of John T.
Jan 30, 2016
This card isn't what it is touted to be!! Beware!! I spent $1700 last month and only got a few points. I spent $182 at Fred Meyer (grocery store) and it even says grocery store on my statement and only got credit for $60.00. I spent $94 on gas and only got credit for $56. I will be cancelling this card next month!!! No wonder American Express stock is in the toilet!!! Liars!!! Check your statements people!!!
Photo of larakenny3
Jan 30, 2016
I love this credit card. I looked into this cards because of its excellent benefits and have been very, very happy with it. This card boasts the best cashback rate for groceries available - a whopping 6% back ON TOP of 3% for gas and 1% back for everything else. I would definitely recommend this card to anyone who steadily buys a lot of groceries...so basically anyone who shops and doesn't exclusively eat out. This card does have an annual fee of $75, and I would normally never go for a cc with an annual fee, but the grocery savings more than make up for it during the course of more
Photo of Seth H.
Dec 6, 2015
What I really like about this card is the reward program that comes along with it. Upon applying (which was very easy by the way) I was given 50,000 reward points. This is the equivalent of about $50. Now keep in mind I was required to spend some to get that much, but if you are applying for a card to get a large purchase, you cannot find a much bigger reward in another card. I was able to purchase a video game for my son with the reward points.
Photo of John M.
Nov 23, 2015
I think it handles challenges made to purchases in an honest manner and do not have ann innate favoritism for the retailer. I use my card for everything because
I am tired of having to empty a pocketful of change each day
Photo of Shawn W.
Nov 9, 2015
The idea of having a card with such great benefits is what drove me to apply. I have a FICO score of 770 , annual income close to 170k . I was approved for only $3,000. I was not happy with that considering that I spend about 5k a month in expenses then pay my balance off. I simply asked for an increase to $5,000. To my shock I was denied. I explained to the rep why I wanted the increase and I had no need for the card unless my request was met and he simply said OK we can cancel your card. I have been with DISCOVER for more
Photo of Jennifer N.
Oct 8, 2015
Blue Cash Preferred® from American Express has a great offer to get those to sign up for the card. The 0% APR is usually offered for 12 months for purchases and cash transfers but Blue Cash Preferred is offering the promotion for 15 months. Also, another great feature is the automatic enrollment in earning cash back. I had that feature with one of my credit cards and it only allowed you to use the cash back with services and/or products that the credit card company offered. With this card, the cash back is offered as Reward Dollars that can be applied directly to statement. One negative is the variable rate more
Photo of Megan D.
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.
Photo of Mary E.
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
Photo of Jeff F.
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
Photo of Jackie F.
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.
Photo of Nast R.
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
Photo of Jonathan C.
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!
Photo of Wyn V.
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
Photo of Yue W.
Jan 6, 2016
So, you buying through Apple.com and picking it up at local store makes you think you doesn't buy the ipad online? Hm, nice perspective
Photo of Kelly W.
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.
Photo of Timothy G.
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
Photo of Dave S.
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.
Photo of Jared S.
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
Photo of Amanda C.
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.
Photo of Katie C.
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.
Photo of Justus J.
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.
Photo of Jen F.
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.
Photo of Erin K.
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.
Photo of Scottie E.
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
Photo of Joao C.
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.
Photo of Trevor F.
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.
Photo of Abhineet K.
Sep 13, 2014
Best customer service ever !!
Photo of Amanda S.
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.
Photo of Rock A.
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
Photo of Yiting Z.
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
Photo of Eric C.
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.
Photo of Merissa A.
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!
Photo of Randi L.
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.
Photo of Bianca H.
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
Photo of Becky W.
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.
Photo of Elease L.
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
Photo of Shanna H.
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
Photo of Jesse P.
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!
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Last updated on: May 26th, 2016 at 10:08 EDT

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