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One thing that makes American Express credit cards so popular is that they pair top-tier rewards with great perks. For example, the Blue Cash Preferred® Card from American Express benefits are hard to beat if you're looking for a great rewards card for everyday purchases. Take a look at all the included extras as well as the many ways to save with a Blue Cash Preferred® Card from American Express.
On American Express' Secure Website.
Terms apply
On American Express' Secure Website.
Terms apply
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
APR
19.24%-29.99% Variable
Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
1%-6% Cash Back
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
This card offers market-leading cash back at U.S. supermarkets. The welcome bonus and intro APR offer sweeten the deal. Terms apply. If you spend a lot on groceries (excluding wholesale clubs and superstores like Costco and Walmart), this card is worth considering.
While purchase rewards are often the center of attention, they're just part of the many perks that come with a Blue Cash Preferred® Card from American Express. What makes this everyday card one of the best credit cards on the market is that you'll also qualify for a range of benefits that can also help to offset the $0 intro annual fee for the first year, then $95. annual fee (see rates and fees). This includes exclusive discounts and purchase protections. Let's break down the host of Blue Cash Preferred® Card from American Express benefits offered to all card holders.
At the heart of all great cash back cards are the purchase rewards -- and the Blue Cash Preferred® Card from American Express has a lot of them. With this everyday card, you'll earn cash rewards in the following categories:
When it comes to rewards, finding great gas credit cards is fairly easy. But finding one that also rewards you for everyday purchases in three other major categories is not. The U.S. gas and U.S. supermarkets rewards are a strong one-two punch, with the streaming and transit perks the cherry on top for this credit card. Terms apply.
Indeed, in the world of grocery credit cards, it's hard to beat the Blue Cash Preferred® Card from American Express benefits. Taking the spending cap into consideration, the 6% cash back bonus category is good for up to $360 in rewards on supermarket purchases alone. Keep in mind that it only applies to actual U.S. supermarkets -- grocery purchases at big box stores and other retailers not specifically coded as a grocery store won't earn the 6% cash back. Terms apply.
You can redeem your cash back rewards as a statement credit on your Blue Cash Preferred® Card from American Express account. You'll need to earn at least $25 in cash back rewards to redeem your rewards for a statement credit. (Note that rewards redemptions can't be used to pay your minimum required credit card payment.)
The Blue Cash Preferred® Card from American Express is a great card. Here's how its rewards stack up to others in American Express's lineup.
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Blue Cash Preferred® Card from American Express | Blue Cash Everyday® Card from American Express | American Express® Gold Card |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website. Terms apply |
|
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. $250 |
Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. $200 |
Welcome Offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24. 60,000 points + earn up to $100 back |
Rewards Program: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. 1%-6% Cash Back |
Rewards Program: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. 1%-3% cash back |
Rewards Program: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. (on up to $50,000 per calendar year in purchases), and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. 1X-4X Membership Rewards® Points |
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
Intro APR: Purchases: n/a Balance Transfers: n/a |
APR: 19.24%-29.99% Variable |
APR: 19.24%-29.99% Variable |
APR: See Pay Over Time APR |
Annual Fee: $0 intro annual fee for the first year, then $95. |
Annual Fee: $0 |
Annual Fee: $325 |
Highlights:
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Highlights:
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Highlights:
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Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website. Terms apply |
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• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company. • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers.
Terms apply.
New cardholders can qualify for a welcome offer worth hundreds in cash back rewards. The size of the bonus can vary, but it's usually better than most of the competition.
At present, Blue Cash Preferred® Card from American Express offers a welcome bonus of $250 as a statement credit when new cardholders spend $3,000 in their first 6 months. As with other credit cards with a sign-up bonus, you'll need to meet the specified spending requirement on your new card to earn the Blue Cash Preferred® Card from American Express bonus. Terms apply.
Thanks to the Blue Cash Preferred® Card from American Express benefits, card membership gets you 0% APR on your new purchases and balance transfers for the first 12 months after opening your card account. This means you won't pay any interest on your purchases or transferred balances even if you carry a balance from month to month. At the end of the promotional period, the go-to rate is 19.24%-29.99% Variable. Terms apply (see rates and fees).
(Remember that you'll still need to make at least your minimum required payment every month during the introductory APR period.)
All cardmembers enjoy access to the Amex Offers & Benefits portal, which contains dozens of exclusive discounts and deals with popular retailers. Offers can include purchase discounts and bonus cash back rewards. In most cases, you simply add the offer to your Blue Cash Preferred® Card from American Express and get the deal automatically when you make your purchase. Some deals may require using a specific link to make your purchases. Terms apply.
If you need to return an eligible purchase within 90 days of sale, but the seller refuses your return, you may get reimbursed by Amex. Return protection* for the Blue Cash Preferred® Card from American Express is limited to $300 per item, with a maximum of $1,000 per card per calendar year. The purchase must be made entirely with your Blue Cash Preferred card and within the U.S. or its territories to qualify. Terms apply.
Enjoy up to 90 days of purchase protection** against accidental damage or theft during a covered event. You'll need to use your Blue Cash Preferred® Card from American Express to pay for your purchase. Coverage is limited to the amount charged to your card, up to $1,000 per claim, with a max of $50,000 per card per calendar year. In cases of natural disaster, the maximum amount you can get reimbursed per event is $500. Terms apply.
In addition to offering hard-to-beat cash back on your streaming subscriptions, this card also has another way to save: a monthly credit for The Disney Bundle (that's the one with Disney+, Hulu, and ESPN+). You can get a $7 statement credit each month you spend $9.99 or more on an auto-renewing subscription to the top-tier Disney+ bundle. That's up to $84 a year in credits. (Terms apply; enrollment required.) The only caveat is that you need to enroll in the benefit to earn the credit. You can do this through your Benefit Dashboard, and you only have to enroll once.
Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:
Covered purchases made with your Blue Cash Preferred® Card from American Express can qualify for an extra year on the existing manufacturer's warranty***. The original warranty must be for five years or less. And the additional year only extends the warranty’s original terms and conditions. This extended warranty coverage applies only to the amount charged to your card, with a maximum of $10,000 per item and $50,000 per card per calendar year. Terms apply.
With Plan It®, you can turn large purchases into easy-to-manage payment plans so you can pay off your purchase over time. You can select up to 10 purchases of $100 or more to bundle into a single pay-over-time plan when setting a plan online. If you use the app, you can only set a plan for a single purchase.
You'll be offered options to curate the plan that works best for you, including up to three duration options, with monthly payments included in your minimum payment amount every billing cycle. The monthly fee is fixed and you won't be charged interest, though there will be a plan fee (a fixed finance charge) for each plan. You can have as many as 10 active plans. Plan It® purchases will earn the same rewards as your regular purchases. Terms apply (see rates and fees).
American Express cardmembers can take advantage of a partnership with TrueCar to purchase new or used vehicles. You can receive a Guaranteed Savings Certificate good at participating retailers to save thousands on your vehicle. Plus, participating dealerships will accept your Blue Cash Preferred® Card from American Express for at least $2,000 of the purchase price Some accept your card for the entire purchase amount. Terms apply.
With Blue Cash Preferred® Card from American Express benefits, eligible car rentals can qualify for secondary rental insurance**** for covered damage or theft. You'll need to decline the rental agency's insurance and pay for the full rental with your Blue Cash Preferred® Card from American Express to qualify. Vehicle type restrictions and coverage limits will apply. Terms apply.
Skip the line with access to participating ticket presales and exclusive members-only events. Tickets must be purchased with your qualifying card. Standard service fees may apply. Terms apply.
You can use the Global Assist***** Hotline from home to gather important information about your destination. When you're 100 miles or more from home, the Hotline can connect you with a representative who can help you with medical, legal, financial, or select emergency coordination services. While the Global Assist Hotline is free for cardmembers, you'll be responsible for any third-party costs you incur.
Although many folks choose their new credit cards based on things like rewards and fees, that's not all your trusty American Express card has to offer. The many Blue Cash Preferred® Card from American Express benefits we've listed here can add a lot of value to your life, even if it's just some peace of mind. So, when comparing credit cards, consider the extra card member benefits, too. They could be well worth the time it takes to discover them.
If you're interested in learning more about this card, click below to read our full review. Or head to our guide: Best American Express Credit Cards
Some other questions we've answered:
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
For rates and fees for the Blue Cash Preferred® Card from American Express, click here.
*With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
**Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
***When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
****Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
*****You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
For rates and fees for the Blue Cash Preferred® Card from American Express, click here
The Motley Fool recommends Amex.