| Rewards | 6% cash back (Reward Dollars) at U.S. supermarkets (on up to $6,000/year, then 1%) 6% cash back on select U.S. streaming subscriptions. 3% cash back at U.S. gas stations and on transit (rideshare, parking, buses, etc.). 1% cash back on all other eligible purchases. |
|---|---|
| Signup Bonus | Earn $250 statement credit after spending $3,000 in eligible purchases in the first 6 months. |
| Annual Fee | $0 for the first year, then $95. |
| Cardmember Agreement | View Here |
| Cash Advance APR | Prime + 21.99% (variable) |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40. |
| Purchases APR | 12.74% – 21.74% + Prime (variable) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Amex Blue Cash Preferred® Card is best known for its standout cash-back rates—especially the 6% at U.S. supermarkets and 6% on select streaming services. Add in 3% at U.S. gas stations and transit, plus a solid intro bonus, and it’s one of the strongest everyday-spending cards out there. The only catch is the $95 annual fee (waived the first year).
Most users say the high rewards easily outweigh the fee, especially for households that spend a lot on groceries. Many reviewers mentioned that Amex’s customer service and app experience feel noticeably better than typical cash-back cards. People also like that the rewards come as straightforward statement credits—no confusing travel portals or point math.
On the downside, cardholders often complain about the $6,000 grocery cap, which heavy spenders hit quickly. Others point out that if you don’t spend much on the boosted categories, the annual fee starts looking less appealing. A few users say the transit/gas definition can be a little inconsistent depending on the merchant.
Personally, I think the Blue Cash Preferred is a top choice for families and anyone who spends heavily on groceries and streaming. If those aren’t major categories for you, a no-annual-fee card might make more sense.
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