Blue Cash Preferred® Card from American Express
Basic Information
Program ID: blue-cash-preferred
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Premium
Data Complete: Yes
Created: 01/06/2026 04:48
Last Scraped: 01/15/2026 05:23
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $11.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $350.00
Spending Requirement: $3,000.00
Time Period: 180 days
Bonus Timing: Statement credit typically posts within 8-12 weeks after meeting the spending requirement, but often appears sooner.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6% U.S. Supermarkets, 6% Select U.S. Streaming Subscriptions, 3% U.S. Gas Stations, 3% Transit
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as account is active and in good standing.
Transfer Partners: N/A - Cash Back Card
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Welcome Bonus Eligibility: American Express generally enforces a 'once per lifetime' rule for welcome bonuses on a specific card product. If you have previously held the Blue Cash Preferred card, you may not be eligible for a new welcome bonus. Application Rules: A maximum of two American Express credit card applications are typically allowed within a 90-day period. General Eligibility: Applicants must be at least 18 years old, have a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. mailing address, and a good to excellent credit history.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending (MS), rapid accumulation of credit limits across multiple Amex cards, unusual spending patterns inconsistent with stated income, frequent large cash equivalent purchases, abuse of return policies or statement credits, failure to pay balances on time, or triggering a financial review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent cashback rates on groceries, streaming, and gas; strong customer service; useful Amex Offers.
Top Negative Feedback:
Annual fee can offset rewards for lower spenders; foreign transaction fees; 1% on general purchases is low.
Approval Experience Score: 82.5 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- American Express Blue Cash Everyday Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $490.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 85% General / 15% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0
Last Updated: 11/19/2023 00:00