Blue Cash Preferred® Card from American Express, a GET.com advertiser, is a cash back credit card that will appeal to people who want to earn fuss-free cash rebates on all their spending. This Card lets you earn 1% cash back on all eligible purchases and cash back at a higher earning rate when you make purchases at U.S. supermarkets and U.S. gas stations. Nonetheless, this card differs from the similar sounding Blue Cash Everyday® Card from American Express in terms of its welcome bonus, card terms and conditions, annual fee as well as cash back earning potential.

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Blue Cash Preferred<sup>®</sup> Card from American Express

Blue Cash Preferred® Card from American Express

APPLY NOWAt American Express' secure website
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.74%-25.74% Variable

$95

Excellent, Good

Here, GET.com provides answers to key questions about how Blue Cash Preferred® Card from American Express works and what it offers.

Apply for Blue Cash Preferred® Card from American Express at the official American Express website

Frequently Asked Questions About Blue Cash Preferred® Card from American Express
Do I get a welcome bonus if I go for this card?
Is this a good cash back credit card?
Are there ways to earn additional cash back?
Do I get any special benefits from this card?
Does this card have an annual fee?
Is this a good card for international spending?
Is this card good for purchases?
Is this card good for for taking cash out of the ATM?
Is there a penalty if I pay late?
Can I get this card even if I have bad credit?
Do I get access to my credit score?
Who is this card for?

Questions And Answers For Blue Cash Preferred® Card from American Express

Question: Do I get a welcome bonus if I go for this card?

Answer: Yes, if you are a new Cardholder of Blue Cash Preferred® Card from American Express, you get to earn a $250 statement credit after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $250 welcome bonus in the form of a statement credit around 6-8 weeks after you have met the spend requirement.

Question: Is this a good cash back credit card?

Answer: Yes, Blue Cash Preferred® Card from American Express rewards you with cash back on all your spending. This Card lets you earn 6% cash back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). This means that if you spend $60 a week at U.S. supermarkets, you could earn over $180 cash back per year. You will also earn 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on all other eligible purchases. Terms and limitations apply. All cash back earned on Blue Cash Preferred® Card from American Express will be awarded in the form of Blue Cash Reward Dollars.

Feel free to redeem your Blue Cash Reward Dollars for statement credits in increments of $25 whenever your available reward dollars balance is $25 or more. Note that you cannot use your cash back to pay your Minimum Due. From time to time, American Express may give you more options when it comes to redemption, such as gift cards or merchandise.

Question: Are there ways to earn additional cash back?

Answer: If you want to earn additional cash back, you could consider adding Additional Cards for your family and friends under your Card Account as their purchases will also earn rewards. But, always keep in mind you are responsible for all use of your Account and you need to ensure that all charges Additional Card Members make are fully paid for, punctually. Since this Card lets you earn cash back on all eligible purchases you make every single month, you may also want to use it to pay your phone bill and earn cash back at an accelerated pace. Just to be on the safe side, know that American Express does not award cash back for spending on interest charges or fees, cash advances, balance transfers, purchase of travelers checks, purchases in other cash equivalents, or purchases or reloading of prepaid cards.

Question: Do I get any special benefits from this card?

Answer: Yes, Blue Cash Preferred® Card from American Express offers Cardholders a myriad of travel benefits including travel accident insurance, car rental loss and damage insurance, global assistance and roadside assistance. You also enjoy shopping and entertainment perks such as return protection, purchase protection, extended warranty, free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner, as well as exclusive access to ticket pre-sales and Card Member-only events with Blue Cash Preferred® Card from American Express. Additional perks you can look forward to include fraud protection, easy tracking of cash back and rewards online, payment flexibility, merchant coverage at over 1.6 million places in the U.S. and a year-end summary of charges. Terms apply.

Question: Does this card have an annual fee?

Answer: Yes, Blue Cash Preferred® Card from American Express has a $95 annual fee (See Rates & Fees).

Question: Is this a good card for international spending?

Answer: No. You will have to pay a foreign transaction fee amounting to 2.7% (See Rates & Fees) of each transaction after conversion to U.S. dollars when you use Blue Cash Preferred® Card from American Express for international spending. While this fee is a bit lower than the usual 3% foreign transaction fee tagged to other credit cards, there are other credit cards on the market that do not charge foreign transaction fees at all.

Question: Is this card good for purchases?

Answer: Yes, Blue Cash Preferred® Card from American Express has a 0% intro APR on purchases and balance transfers for 12 months (See Rates & Fees). Thereafter, a 14.74% - 25.74% variable APR (See Rates & Fees) will apply, depending on your creditworthiness and other factors as determined by American Express. This Card could be your pick if you already have big purchases planned and you would like to pay off your purchases across several months without incurring interest charges. Just make sure to pay off all your purchases within the introductory APR period to avoid paying interest.

Question: Is this card good for taking cash out of the ATM?

Answer: No, you do not want to take cash out of the ATM using Blue Cash Preferred® Card from American Express. It has a 26.99% variable cash advance APR (See Rates & Fees). Each time you take cash out of the ATM using this Card, you will also be charged a cash advance transaction fee of either $10 or 5% of the amount of each cash advance, whichever is greater (See Rates & Fees).

Question: Is there a penalty if I pay late?

Answer: Yes, you will be liable for a late payment penalty fee of up to $39 (See Rates & Fees) when you pay late. Blue Cash Preferred® Card from American Express also comes with a 29.99% variable penalty APR (See Rates & Fees) that may be applied to new transactions made on your account if you make one or more late payment or if your payment is returned by your bank. If American Express applies the 29.99% variable penalty APR (See Rates & Fees), you will be required to contend with it for a minimum of 6 months.

Question: Can I get this card even if I have bad credit?

Answer: No, Blue Cash Preferred® Card from American Express is reserved for people with excellent of very good credit. If you don't have excellent or good credit, we at GET.com suggest you look up an alternative card because getting rejected by the bank can damage your credit and nobody wants that to happen.

Question: Do I get access to my credit score?

Answer: No, this Card does not provide you with access to your credit score. Be that as it may, you are still encouraged to keep an eye on your credit score and improve it if necessary.

Question: Who is this card for?

Answer: Blue Cash Preferred® Card from American Express is an excellent choice for families or individuals who cook fairly regularly and have excellent credit. It offers a generous 6% cash back on purchases made at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), so you can expect to earn some sweet rewards if you already shop for groceries on the regular.

If you drive often, you will appreciate that this Card lets you earn 3% cash back at U.S. gas stations.

Blue Cash Preferred® Card from American Express is also a useful credit card if you have big purchases planned or if you have existing balances to clear - this Card offers 0% intro APR on purchases and balance transfers for 12 months (See Rates & Fees) (14.74% - 25.74% variable APR (See Rates & Fees) thereafter). We like Blue Cash Preferred® Card from American Express for how fuss-free it is to earn cash back on all eligible spending without having to bother about rotating categories, minimum spend requirements and limitations on how much cash back we can earn. The added travel benefits, shopping and entertainment benefits only add to this Card's appeal.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

More about Blue Cash Preferred® Card from American Express:
Read Our Blue Cash Preferred® Card from American Express Review
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