American Express® Blue Cash Preferred®
Issuer
American Express
Network
American Express
Regular APR
18.24% - 29.24%
Annual Fee
$95.00
Intro Offer
$250
Rewards Rate
1%-6% Cashback
Recommended Credit Score
690 - 850 (Good - Excellent)
Pros
✅ High rewards rate on groceries, streaming, gas, and transit
✅ Lucrative welcome offer
✅ Introductory APR on purchases and balance transfers
✅ Disney Bundle credits can offset annual fee
✅ Strong purchase protection, return protection, and extended warranty benefits
Cons
❌ Annual fee of $95 after the first year
❌ Spending cap of $6,000 annually for elevated U.S. supermarket rewards (then 1%)
❌ Foreign transaction fee makes it less suitable for international use
❌ Limited redemption options compared to other cash back cards
❌ Excludes certain grocery retailers like wholesale clubs, superstores, and online groceries
Combinations
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No combinations available.