Blue Cash Preferred from American Express
American Express · American Express
Households with heavy supermarket spending, where 6% clears the $95 fee easily.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
U.S. supermarkets Up to $6,000 per year, then 1% | 6% |
Select U.S. streaming subscriptions | 6% |
Transit and U.S. gas stations | 3% |
All other purchases | 1% |
Welcome bonus
Welcome offer varies by applicant, up to $300 cash back.
Perks
- 0% intro APR on purchases for 12 months
- 0% intro APR on balance transfers for 12 months
- Good to excellent credit, roughly 690 and above
Frequently asked questions
Is the Blue Cash Preferred from American Express worth it?
It charges a $95 annual fee. It's best suited to households with heavy supermarket spending, where 6% clears the $95 fee easily. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Blue Cash Preferred from American Express earn?
It earns 6% on u.s. supermarkets, 6% on select u.s. streaming subscriptions and 3% on transit and u.s. gas stations.
What credit score do you need for the Blue Cash Preferred from American Express?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Blue Cash Preferred from American Express Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/amex-blue-cash-preferred, updated August 2026.
- American Express published product page and cardholder agreement