American Express Blue Cash Preferred
American Express cash back card with a $95 annual fee, waived in the first year. Earns 6% on US supermarkets, up to $6,000 a year, 6% on select US streaming subscriptions, 3% on transit.
Terms read from American Express's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- $95, waived in year 1
- Foreign transaction fee
- 2.7%
- Purchase APR
- 19.74% to 28.74%
- Intro APR on purchases
- 6 months
- Intro APR on balance transfers
- 6 months, 3% fee
Rewards
- 6% on US supermarkets, up to $6,000 a year
- 6% on select US streaming subscriptions
- 3% on transit
- 3% on US gas stations
- 1% on everything else
Earns cash back.
Credits, as counted
- Disney streaming bundle credit: $10 a month40% used
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $665 | $270 | $1,204 | Month 1 |
| Family | $1,146 | $751 | $2,648 | Month 1 |
| Frequent traveller | $1,210 | $815 | $2,839 | Month 1 |
Frequently asked questions
Is the American Express Blue Cash Preferred worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $1,146 in year 1 and $751 a year after that, after a $95 annual fee, waived in the first year. It pays for its fee by month 1.
What is the American Express Blue Cash Preferred welcome bonus?
$300 back after $3,000 in purchases in the first 6 months.
Does the American Express Blue Cash Preferred charge foreign transaction fees?
Yes, 2.7% of each purchase in a foreign currency.
What isn't counted in its value?
The intro APR is up to 18 months but can be as short as 6, so 6 months is counted.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.