American Express Blue Cash Preferred

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good credit
intro purchase APR 0% for 15 monthsregular APR12.99 - 21.99% (V)
intro BT APR 0% for 15 months 3% BT fee $5 min
rewards 1% 3% 6% per $1 +$250 bonus
  • earn 6% back at US supermarkets (limited by $1000 spending annually, then 1%)
  • 3% on gas and in selected department stores
  • 1% back on all other purchases
  • $250 sign up bonus after spending $1000 in purchases in the first 3 months

 

$75 annual fee

up to 3-6% cash back

$250 intro bonus

Editors Review

Pros

  • Highest rewards for groceries and gas:
  • 6% cash back on groceries up to $6000 in spending annually
  • 3% on gas purchases
  • 1% on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months

Cons

  • $75 annual fee
  • AmEx credit cards are not accepted everywhere – especially outside the U.S.
  • 2.7% international transaction fee

Verdict

One of the best cards for groceries and gas rewards. Not for people who carry a balance because of the interest rates (12.99% minimum, there are better low APR cards on the market).

For groceries cash back, there is a cap of $6000 on annual spending. If you spend much more, you can consider  U.S. Bank Cash+ card with a 5% cash back and $8,000 annual cap and 2% unlimited cash back on one category of choice.

Last updated: 03/04/2016


hit my credit score unexpectedly

Connor, 02/19/15

Without any warning (not a call, just a mail which I never got) AmEx reduced my credit limit by $8,000. That made me to over-utilize the limit and my credit score took a huge hit. Good job, AmEx.
helpful review? Yes / No 3/0
6923
14243173253 00
Approved for a normal limit finally

Curtz, 02/09/15

I was looking for a higher limit card, tired of my current Capital One card smallish limit. Surprisingly got a $5,000 approved. Well done American Express!
helpful review? Yes / No 3/0
6910
14234994603 00
Will see, just got approved

Damira N, 02/03/15

Got approval for a $3500 instantly! I’m excited, because I was worried with my credit balancing on the limit of the required. Will see how it will handle my everyday expenses.
helpful review? Yes / No 1/0
6909
14229810001 00
Love AmEx

Sanny, 01/09/15

I’ve been an Amex customer at good old Golden days of American Express. It had an amazing customer experience and I enjoyed the best concierge service on the World with my charge card. However, I find this new line of Everyday cards a good value as well – no one other card can offer you 6% back on groceries (and I know I’m not the only one who spends most on groceries). And I find it more convenient to use a revolving card, not an old style charge card.
helpful review? Yes / No 1/0
6908
14208207601 00


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