Blue Cash Preferred Card from American Express

Earn rates · how we got this

See how it ranks: best groceries cards · best streaming cards · best transit cards · best gas cards.

Signup bonus: $300 back after $3,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. $300 statement credit (Reward Dollars) after $3,000 in 6 months; encoded as 30,000 CASH points at 1 cent each Bonus figure confirmed on the issuer's page 2026-09-14.

Statement credits — $120/yr on paper · how we got this

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

• Cash back (Reward Dollars) usable at Amazon.com checkout
• Car Rental Loss and Damage Insurance (secondary)
• Global Assist Hotline
• Purchase Protection (up to $1,000 per purchase / $50,000 per year)
• Return Protection (up to $300 per item / $1,000 per year)
• Extended Warranty
• Send & Split
• Amex Presale/Reserved Tickets access

Does the fee earn out? · how we got this

The printed statement credits ($120/yr) cover the $95 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.

Is this $95 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

• Anyone who spends abroad. Every purchase in a foreign currency carries a 2.7% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
• A heavy groceries spender. The 6% on groceries stops after $6,000 of it per year. Past that the same purchases earn its base 1%, so the headline rate describes the first $6,000 only.

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Don't want the fee any more?

Blue Cash Preferred Card from American Express can normally be product-changed to one lower-fee card in the American Express Blue Cash family instead of being closed — which keeps the account, its age and its credit line.

What does Blue Cash Preferred Card from American Express downgrade to? →

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