Blue Cash Preferred® Card from American Express

American Express American Express Premium Pending

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18

Benefits

5

Reward Categories

6x

Max Reward

19.2%

APR From
Basic Information
PENDING

Program ID: blue-cash-preferred

Issuer: American Express

Card Name: Blue Cash Preferred® Card from American Express

Card Type: Credit

Network: American Express

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 06, 2026 04:48

Last Scraped: Jan 22, 2026 06:47

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
U.S. Supermarkets 6x Cash Back Cash Back at U.S. supermarkets $6,000
U.S. Streaming Subscriptions 6x Cash Back Cash Back on select U.S. streaming subscriptions No Cap
U.S. Gas Stations 3x Cash Back Cash Back at U.S. gas stations No Cap
Transit 3x Cash Back Cash Back on transit, including taxis, rideshares, parking, tolls, trains, buses and more No Cap
Other Purchases 1x Cash Back Cash Back on other eligible purchases No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 6x

Categories: 6% U.S. Supermarkets (up to $6,000 per year), 6% Select U.S. Streaming Subscriptions, 3% U.S. Gas Stations, 3% Transit

Quarterly Rotating: No

Cap Amount: $6,000.00

Expiration Policy: Rewards do not expire as long as account is active and in good standing

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None (Cash Back card)

Redemption Penalties: None for standard cash back redemption (minimum redemption amount may apply, typically $25)

Benefits & Protections (Detailed) 18 Total
PENDING
Cash Back Rewards 5
6% Cash Back at U.S. Supermarkets
6% on up to $6,000 per year, then 1%

Earn 6% Cash Back on purchases made at U.S. supermarkets, up to $6,000 in purchases per calendar year. After reaching the $6,000 cap, earn 1% Cash Back on U.S. supermarket purchases.

6% Cash Back on Select U.S. Streaming Subscriptions
6%

Earn 6% Cash Back on purchases for select U.S. streaming subscriptions.

3% Cash Back at U.S. Gas Stations
3%

Earn 3% Cash Back on purchases made at U.S. gas stations.

3% Cash Back on Transit
3%

Earn 3% Cash Back on transit purchases, which includes taxis, rideshare services, parking, tolls, trains, and buses.

1% Cash Back on Other Purchases
1%

Earn 1% Cash Back on all other eligible purchases not covered by higher cash back categories.

Entertainment 1
Entertainment Access
Access to presales & events

Provides special access to ticket presales and exclusive Card Member-only events in various cities.

Financial Tools 1
Pay It Plan It
Flexible payment options

Pay It allows immediate payment for small purchases. Plan It enables splitting larger purchases into fixed-fee monthly payments.

Introductory Offer 1
Introductory $0 Annual Fee
$0 for the first year

Enjoy a $0 annual fee for the first year of Card Membership. After the first year, the annual fee is $95.

Purchase Protection 3
Purchase Protection
Up to $1,000 per occurrence, $50,000 per year

Protects eligible purchases made with your Card against accidental damage or theft for up to 90 days from the purchase date. Coverage is limited to $1,000 per occurrence, with a maximum of $50,000 per Card Member account per calendar year.

Extended Warranty
Up to 1 additional year, $10,000 per item, $50,000 per year

Adds up to one additional year to the original manufacturer's warranty (for warranties of 5 years or less) on eligible purchases made with your Card. Coverage is limited to the amount charged to the Card, up to $10,000 per item, and $50,000 per Card Member account per calendar year.

Return Protection
Up to $300 per item, $1,000 per year

If a merchant won't accept an eligible item return within 90 days of purchase, American Express may refund the full purchase price, up to $300 per item, with a maximum of $1,000 per Card Member account per calendar year.

Security & Protection 1
Fraud Protection
Zero liability for fraud

You will not be held responsible for fraudulent charges made on your Card if you take reasonable care to protect your Card and promptly report any unauthorized use.

Shopping & Dining 1
Amex Offers
Varies by offer

Access personalized offers for discounts and cash back on shopping, dining, travel, and more by adding them to your eligible Card.

Shopping Benefits 1
Complimentary ShopRunner Membership
Free 2-day shipping & returns

Enroll to receive a complimentary ShopRunner membership, providing free 2-day shipping and free returns on eligible items from over 100 participating online stores.

Travel Assistance 1
Global Assist Hotline
24/7 assistance

Provides 24/7 coordination and assistance services for medical, legal, financial, or other select emergencies when traveling more than 100 miles from home. Card Members are responsible for third-party service costs.

Travel Benefits 1
No Foreign Transaction Fees
0% foreign transaction fee

Avoid foreign transaction fees when making purchases outside of the United States.

Travel Insurance 1
Car Rental Loss and Damage Insurance
Secondary coverage

Provides secondary coverage for theft or damage to most rental vehicles when the eligible Card is used to reserve and pay for the entire rental, and the optional collision damage waiver (CDW) is declined at the rental counter. Terms, conditions and limitations apply.

Welcome Offer 1
Welcome Offer Statement Credit
$250 statement credit

Earn a $250 statement credit after spending $3,000 in purchases on your new Card within the first 6 months of Card Membership.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$350

Cash Back

Requirement: Spend $3,000 in 180 days

Timing: Statement credit typically posts to your account 8-12 weeks after meeting the spending requirement, though it can often appear sooner.

Fee Structure
PENDING
Annual Fee: $95.00
Year 1 Waived: Yes
Effective Annual Fee: $11.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 19.24% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian (primarily), TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Projected for 2026: One welcome bonus per card product per lifetime. Max 2 credit card applications per 90 days. Eligibility requires being 18+ years old, having a valid SSN/ITIN, being a US resident, and possessing a good to excellent credit history. American Express may also consider existing relationship and credit limits.

Max Cards Per Issuer: 5

Min Spend Interval: 6 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, abuse of welcome offers (e.g., applying for multiple cards in a short period, closing and reopening for bonuses), excessive returns on purchases earning rewards, unusual spending patterns inconsistent with income/history, failure to pay on time, or suspected fraud.

Cliff Effect Rules: While the 'lifetime' rule applies per specific card product, American Express has internal 'family' rules. Applying for or holding a similar card (e.g., Blue Cash Everyday) might, in some rare cases, influence eligibility for future bonuses on related products, though Blue Cash Preferred and Blue Cash Everyday are generally distinct enough for separate bonuses under the lifetime rule.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Excellent cashback rates on groceries, streaming, and gas; strong welcome bonus; useful Amex Offers.

Top Negative:
Annual fee can offset rewards for lower spenders; foreign transaction fees; Amex acceptance not universal; cap on 6% cashback category.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Chase Freedom Unlimited
  • Citi Custom Cash Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $495.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: 25330-10-0