Blue Cash Preferred® Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Preferred® Card from American Express.     
  • Terms Apply.
Annual Fee:
Purchase Intro APR:
(12 Months)
Purchase Regular APR:
14.24% - 25.24%*
Balance Transfer Intro APR:
(12 Months)
Balance Transfer Regular APR:
14.24% - 25.24%*

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.49%* Variable
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $38


Welcome Bonus

Earn $200 after you spend $1,000 in the first 3 months.

All Purchases

1% cash back per dollar

No cap on spending


3% cash back per dollar

3% cash back at U.S. gas stations


6% cash back per dollar

6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Still Amazing-3rd Review
by Bones8302
Helpful to 399 out of 425


I posted two prior reviews, one on  the application process and one since having the card.   I have had the card two months now.  On my 60th day (4/9/17) I applied for a CLI (read reviews and everyone said they applied after 60 days and got 3X the current limit) so I was told I had to wait until the day after 60 days.  Well, I applied and it is true I was approved for 3 times my original limit.  I started with 2k which I was initially surprised anyway due to my credit score (thought it would be more like $500) and now I am at 6K.  I read some comments that people do not believe that individuals are getting these limits.  I can attest this is true, when I was initially approved I had a 659 credit score with three collections, several store cards, subprime credit cards and 27% utilization.  I now have a 673 Experian score and 1% utilization across all accounts.  I follow the recommendations of charging and paying off in full so I only charge what I was going to pay in cash anyway (monthly bills, gas, etc).  Do the prequalifier first!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
by zacharybannister
Helpful to 183 out of 219

I applied for this card back in September of 2016. Got approved for 5000 CL. My credit score on my reports were close to a 700 average for all 3 credit reporting companies. Last month (10-17) American Express took it upon themselves to lower my credit limit to 500 dollars. I made ALL my payments on time, payed off a big balance transfer and even used it on a vacation to Mexico. I payed it off and didn’t use it for about 3 weeks because I was trying to save money. I got an email one day saying I had been declined. When I called the guy was extremely rude and said he would have to run my credit again to make sure I could keep the 500, WHAT! Don’t be fooled. Just because it’s american Express, there are 100 better credit cards out there especially with way better customer service. My credit karma is still reporting TU: 703 equifax: 699. Utilization is 13%. Don’t fall for this card just because of them name. 

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from July 2017 through December 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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