Blue Cash Preferred® Card from American Express
Fees
Earning Rates
- Earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- Earn 6% Cash Back on select U.S. streaming subscriptions.
- Earn 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- Earn 3% Cash Back at U.S. gas stations.
- Earn 1% Cash Back on other purchases.
Intro Bonus
Main Benefits
- Complimentary ShopRunner membership and Disney Bundle (Disney+, Hulu, ESPN+) discount.
Rewards Details
- The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.
Our Take
Card Details
Blue Cash Preferred earning rate per dollar
The Blue Cash Preferred Card earns cash back at the following rates:
- 6% cash back at U.S. supermarkets, on up to $6,000 per calendar year.
- 6% cash back on select U.S. streaming subscriptions.
- 3% cash back on transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
- 3% cash back at U.S. gas stations.
- 1% cash back on all other purchases.
The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout.
Blue Cash Preferred benefits
Here are the main benefits of the Blue Cash Preferred:
- Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Travel & Purchase Coverage*: Car Rental Loss and Damage Insurance (Secondary), Purchase Protection, Return Protection, and Extended Warranty.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Blue Cash Preferred fees
Annual Fee
The Blue Cash Preferred has a $0 annual fee the first year, then $95. See Rates & Fees
If you pay for the Disney Bundle and can make use of the monthly credit, you will make up almost all of this fee and easily more than that with the 6% you'll earn on streaming services for anything spent over the allotted credit.
That aside, you will break even at about $132 in monthly U.S. supermarket shopping. If you spend more than that per month, and most people do, you can easily make up for the annual fee with little effort. Maxing out the bonus is $500 per month which is $360 in Rewards Dollars every year.
Authorized User Fee
The Blue Cash Preferred does not have an authorized user fee. If you have family or friends that frequent U.S. supermarkets or spend across any of the other categories featured on the card, you can easily earn lots of cash back every year.
Foreign Transaction Fee
The Blue Cash Preferred has a 2.7% foreign transaction fee which makes it a bad choice for international travel and spending — most of the categories are U.S.-specific anyway.
Blue Cash Preferred cash back and card value calculator
Use the AMEX Blue Cash Preferred Calculator to calculate cash back based on your spending and card benefits, minus annual fees, to determine if it's worth it.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
