Blue Cash Preferred®
Issued by American Express
Rates verified July 2026
Welcome Bonus
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Rewards Rate
1% cash back · up to 6% on Grocery Stores
Annual Fee
$95
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1% cash back · up to 6% on Grocery Stores
Welcome Offer
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Annual Fee
$95 (waived first year)
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
2.7%
Recommended For
Gas Stations, Grocery Stores, Ridesharing, Streaming Services
Why We Recommend This Card
6.0% on Grocery Stores
6.0% on Streaming Services
3.0% on Gas Stations
Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
$120 Disney Streaming Credit
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites.
$120 Equinox+ Credit
Work out at home with Equinox+ and get up to $120 back annually. Use your Blue Cash Preferred® Card to pay for a subscription1 to Equinox+ at equinoxplus.com and receive $10 in monthly statement credits.
Car Rental Loss and Damage Insurance
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Global Assist® Hotline
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third'party service providers.
Return Protection
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.
Direct to the Issuer
The Apply button takes you to American Express's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information