Blue Cash Preferred Review

AMERICAN EXPRESS

Annual Fee$0 introductory annual fee for the first year, then $95 (subject to issuer terms)
Welcome BonusSee current issuer offer
Credit ProfileGenerally aimed at consumers with stronger credit profiles. Approval depends on the issuer's underwriting criteria.
Foreign FeesSee current issuer terms

You'll be redirected to American Express's website. Review current terms, rates, fees and eligibility requirements before applying.

Pros

Elevated grocery rewards rate — among the highest available
Rewards on streaming services
$0 introductory annual fee for the first year, then $95 (subject to issuer terms)
No rotating categories to track

Cons

$95 annual fee after the first year (subject to issuer terms)
Spending cap on elevated grocery rate
Not ideal for non-grocery spending

Rewards Breakdown

16% cash back at U.S. supermarkets on up to $6,000 per calendar year, then 1%
26% cash back on eligible U.S. streaming subscriptions
33% cash back on eligible U.S. gas stations and transit
41% cash back on all other eligible purchases

CredNavid Review

The Blue Cash Preferred is a strong cash back card for households that spend heavily on groceries and streaming services. The grocery rewards rate is among the highest available, which can help offset the $95 annual fee (waived in the first year, subject to issuer terms) for households with significant supermarket spending.

Who This Card Is For

This card is purpose-built for families with high supermarket and streaming spend. If you spend meaningfully on groceries each month, the rewards can help offset the annual fee. Verify current category rates and caps directly with the issuer before applying.

Spending Caps

The elevated grocery rate applies to a specified annual spending cap at U.S. supermarkets, after which a lower rate applies. Refer to the issuer's current terms for the cap amount and qualifying categories.

Bottom Line

A compelling option for grocery and streaming rewards. Not the card for everyone, but if those categories dominate your spending, it is worth considering. Terms and offers may change. Verify current details directly with the issuer before applying.

Card Details

Full details for Blue Cash Preferred
Annual Fee	$0 introductory annual fee for the first year, then $95 (subject to issuer terms)
Welcome Bonus	See current issuer offer
Regular APR	See current issuer terms
Rewards Program	Amex Cash Back Rewards
Foreign Transaction Fee	See current issuer terms
Credit Profile	Generally aimed at consumers with stronger credit profiles. Approval depends on the issuer's underwriting criteria.

Have questions about credit cards? Visit our Frequently Asked Questions for general guidance on credit scores, applications, and choosing a card.

Ready to Apply?

Terms and offers may change. Verify current details directly with the issuer before applying.

View Current Offer

You'll be redirected to American Express's website. Review current terms, rates, fees and eligibility requirements before applying.

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