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® Card4.2/5

American Express

Annual fee
$0 intro annual fee for the first year, then $95
Rewards rate
6%-1%
Welcome Bonus
$300
Apply Now →on American Express's website
Regular APR:17.49%-26.49% Variable APR

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

Welcome Bonus:

Earn up to $300 cash back 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 on up to $6K per year in purchases.

APR:

17.49%-26.49% Variable APR

This card shines for its exceptional 6% cash back on groceries, making it a top choice for families and individuals who spend heavily in this category, easily offsetting its annual fee.

Pros:

  • High cash back on groceries
  • Strong welcome bonus

Cons:

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

The American Express Blue Cash Preferred® Card is particularly suitable for individuals and families who frequently spend on groceries, as its high cash back rate of 6% in this category can significantly mitigate the annual fee after the introductory period. Additionally, the welcome bonus adds further value for new cardholders, making it a compelling option for those seeking to maximize rewards on everyday purchases.

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