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
$0 intro for the first year, then $95
Rewards rate
6%-1%
Welcome Bonus
$250-$300
Apply Now →on American Express's website
Regular APR:19.49%-28.49% Variable APR

  • 6%Cash back at U.S. supermarkets
  • 6%Cash back on select U.S. streaming subscriptions
  • 3%Cash back on gas
  • 1%Cash back on all other purchases

Welcome Bonus:

Earn $250 to $300 cash back after spending $3,000 in eligible purchases within the first 6 months.

Reward Rate:

Earn 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% on gas, and 1% on everything else.

APR:

19.49%-28.49% Variable APR

The American Express Blue Cash Preferred® Card shines for its industry-leading cash back rates on everyday essentials, making it an excellent choice for families and commuters. With 6% cash back on groceries and streaming, it provides substantial rewards that can significantly enhance your savings.

Pros:

  • High cash back on groceries and streaming
  • Introductory fee waiver

Cons:

  • Annual fee after the first year
  • Limited to U.S. supermarkets for top rewards
Apply now →

The American Express Blue Cash Preferred® Card is well-suited for individuals and families who frequently spend on groceries and streaming services, allowing them to maximize cash back rewards on these categories. However, potential applicants should consider the $95 annual fee after the first year and ensure that their spending habits align with the card's rewards structure to fully benefit from its offerings.

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