Blue Cash Preferred® Card from American Express


Dan's Rating: 4.0 / 5   Add Your Review 

Bonus Categories



1x

All Categories

3x

Gas

6x

Groceries
(cap: $6,000)

3x

Department Stores




Card Features


                                
view key

The Welcome Offer

  •  Earn $250 Cash Back when you spend $1,000 on eligible purchases in the first 3 months of having the card [statement credit].

Get These Perks

  •   0.00% Intro APR for 12 months
  •   Terms apply; view rates and fees

Pros & Cons

  6% cash back on up to $6,000 in groceries per year
  3% cash back at department stores and gas


  $25 minimum cash back redemption

  $95 annual fee (can be offset by rewards)



What You'll PayMore fee details 

Annual Fee
$95
Foreign Transaction Fees
2.70%


Credit Score Range

Poor
 
Average
 
Good
 
Excellent
350 - 629
630 - 689
690 - 719
720 - 850



CreditCardRewards.com Review

Written by Dan 7 months ago

TLDR:
Solid card for earning cash back on everyday spending, especially on groceries and gas as well as shopping at department stores like Nordstrom, Macy's, Kohl's, Sears, and more.

Review of the Blue Cash Preferred® Card from American Express

American Express offers grocery shoppers some pretty attractive cards, including the Blue Cash Preferred® Card from American Express with a whopping 6% cash back on purchases at U.S. supermarkets, up to $6,000 per year. That's one of the highest bonuses for the groceries categories, but it doesn't stop there! Blue Cash Preferred® Card from American Express also offers 3% back on gas and department stores, which means if you've either got a long commute or fancy yourself a fashionista, you'll be hitting all the bonus categories this card has to offer. The catch? There's a $95 annual fee...but this can be easily offset by your rewards — all you would have to do is spend $132 per month on groceries, OR $263.92 per month on gas or shopping at department stores (or of course some mix of all 3). This doesn't account for the 1% cash back you get on all other eligible purchases no matter what category they're in, so you can see how the $95 annual fee can quickly become worthwhile.




Pro Tip:

Many supermarkets sell gift cards, so you can maximize your supermarket spend by purchasing gift cards to use elsewhere (think Amazon.com, Starbucks, Home Depot, and so on...). Gift cards come with a small fee, however, so make sure you're not inadvertently offsetting your rewards earnings with the added cost of these fees.




As always, you can consult the American Express retail categories to see exactly what qualifies as a gas station, supermarket, or department store — most of these categories are pretty self-explanatory, but there are some things to watch out for, such as gas stations at places like Costco or Safeway don't count as a gas station.



The Bottom Line
If your spending patterns match these bonus categories, this is a solid cash back card and is definitely worth consideration.






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