American Express Blue Cash Preferred Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

American Express Blue Cash Preferred Card4.6/5

American Express

Annual fee
$95
Rewards rate
6%-1%
Welcome Bonus
$300
Apply Now →on American Express's website
Regular APR:19.49%

  • 6%Cash back at U.S. supermarkets
  • 3%Cash back on U.S. gas stations and transit
  • 1%Cash back on all other purchases

Welcome Bonus:

Earn up to $300 after you spend $3,000 in eligible purchases within the first 6 months of card membership.

Reward Rate:

Earn 6% cash back at U.S. supermarkets, 3% on U.S. gas stations and transit, and 1% on all other purchases.

APR:

19.49%

What sets the American Express Blue Cash Preferred Card apart is its exceptional cash back rewards structure, particularly for everyday spending categories like groceries and streaming, making it a strong contender for those looking to maximize their cash back.

Pros:

  • High cash back on groceries
  • No annual fee for the first year

Cons:

  • Annual fee after the first year
  • Cap on high cash back categories
Apply now →

The American Express Blue Cash Preferred Card is well-suited for consumers who frequently spend on groceries and streaming services, given its high cash back rewards in these categories. With an annual fee of $95 and a substantial welcome bonus, it may appeal to those who can leverage its benefits to offset the cost while maximizing cash back on everyday purchases.

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