American Express Blue Card

Card Details
Rewards	6% back at U.S. supermarkets (up to $6,000/year), 6% on select U.S. streaming services, 3% on U.S. gas & transit, 1% on everything else
Signup Bonus	$250 statement credit after you spend $3,000 in the first 6 months
Annual Fee	$0 for the first year, then $95
Cardmember Agreement	View Here
Cash Advance APR	Prime Rate + 21.99% (variable)
Cash Advance Fee	Either $10 or 5% of the cash advance amount, whichever is greater.
Late Payment Fee	Up to $38.
Purchases APR	0% intro for 12 months, then 19.74%–28.74% variable (based on creditworthiness)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The American Express Blue Cash Preferred® Card is best known for its standout cash-back structure, especially the high rewards on U.S. supermarkets and streaming services. It does have an annual fee, but most users say the bonus categories easily make up for it if you’re a heavy grocery spender.

Most cardholders appreciate the generous 6% back at supermarkets, the reliable Amex customer service, and the occasional intro offers that help offset the fee in the first year. Many reviewers mentioned that the everyday rewards feel “effortless,” especially for families or anyone who already spends a lot on food and streaming.

On the downside, people often complain about the annual fee creeping up over the years and the cap on supermarket rewards. Some users also point out that the card isn’t as useful for travel, and acceptance can still be spotty at smaller businesses.

Personally, I think the Blue Cash Preferred is one of the best cash-back cards if groceries and streaming are big expenses for you. If not, or if you prefer a no-annual-fee setup, you might find more value with a simpler flat-rate card.