American ExpressAmexSnapshot ·partially checked against the issuer page on 2026-10-10 (annual fee, welcome offer, intro APR, purchase APR, earn rates); other figures pending verification
Blue Cash Preferred® Card from American Express
Households spending $300-$500/month on groceries, gas, and streaming subscriptions.
Official Financial Terms & Fees
| Annual Fee | $95 |
| Base Earning Rate | 1% cash back on other purchases |
| Welcome Bonus Offer | Earn a $250 statement credit after spending $3,000 in purchases in your first 6 months. |
| Regular APR | 19.74% - 28.74% Variable |
| 0% Intro APR Window | Purchases: 0% intro APR for up to 18 months Balance Transfers: 0% intro APR for up to 18 months |
| Foreign Transaction Fee | 2.7% |
| Recommended Credit Score | Good to Excellent (670-850) |
| Official Bank Disclosure | Official American Express Website ↗ |
✓ Reasons to Choose Blue Cash Preferred® Card from American Express
- ✓ Unrivaled 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
- ✓ 6% cash back on select U.S. streaming subscriptions (Netflix, Spotify, Hulu)
- ✓ 3% cash back at U.S. gas stations and on transit (taxis, rideshare, parking, tolls)
- ✓ $0 intro annual fee for the first year, then $95
✕ Drawbacks to Keep in Mind
- ✕ $95 annual fee after year 1 requires consistent grocery spending to justify
- ✕ 2.7% foreign transaction fee