American Express Blue Cash Preferred

back Blue Cash Preferred AmEx
(24 reviews)
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intro purchase APR 0% for 12 monthsregular APR13.49 - 23.49% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1% 3% 6% per $1 +$150 bonus
  • earn 6% back at US supermarkets (limited by $6000 spending annually, then 1%)
  • 3% on gas and in selected department stores
  • 1% back on all other purchases
  • $150 sign up bonus after spending $1000 in purchases in the first 3 months

 

good credit required
Terms and Conditions

$95 annual fee

up to 3-6% cash back

$150 intro bonus

Terms and Conditions

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 12 months

Cons

  • $95 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 (13.49% 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: 05/26/2017


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 6/3
6923
14243173256 30
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 4/2
6910
14234994604 20
Will see, just got approved

ulogin_googlepl..., 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 3/4
6909
14229810003 40
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 7/5
6908
14208207607 50


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