Blue Cash Preferred Card from American Express
$95 annual fee · $120/yr in printed statement credits · 1% on everything else · 2.7% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 6% | on the first $6,000/year |
| Streaming | 6% | uncapped |
| Transit | 3% | uncapped |
| Gas | 3% | uncapped |
| Everything else | 1% | uncapped |
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.
Statement credits — $120/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Disney Streaming Credit | $120/year | monthly · enrollment required |
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?
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.
Compared head-to-head
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Don't want the fee any more?
Blue Cash Preferred Card from American Express can normally be product-changed to 1 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? →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.americanexpress.com · upgradedpoints.com. Spot an error? Tell us.