Blue Cash Preferred® Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Terms and Conditions apply.
  • Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Preferred® Card from American Express
Annual Fee:
$95
Purchase Intro APR:
0%*
(12 months)
Purchase Regular APR:
13.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0%*
(12 months)
Balance Transfer Regular APR:
13.24% - 23.24%*
Variable

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 25.49%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $37
Penalty APR 29.49%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $37

Rewards

Sign-Up Bonus

Earn $150 after you spend $1,000 in 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Gas

3% cash back per dollar

Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.

Groceries

6% cash back per dollar

Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.


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
djmartinusen
Favorite Card but Pay off Monthly
by djmartinusen
Helpful to 361 out of 398

This is my first choice whenever I pay for things because of the cash back, but I don't dare carry a balance through a billing cycle since the interest rate is so high. I recommend this card only to those who pay off their entire balance monthly. Otherwise you could rack up some serious debt in interest charges.

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
Anonymous
Can't beat the rewards, transfer sucks!!
by Anonymous
Helpful to 78 out of 85

Amex does not advertise the balance transfer limit up front, nor do they disclose it unless you attmept or inquire about it.  They lure you with rewards and 0% on transfer.  The rewards are top notch. The transfer is garbage, had I known the max limit was $7,500, I would have requested a lower limit for the rewards and opened a second card such as Discover for the balance transfer benefits.  Why would I get a third card with a 20k limit if I can't even use the 50% transfer because they cap it at 7500 and don't tell you until after you make the request.  Customer service is all in India, and they could care less about customer satisfaction.  Still waiting for a call back from a supervisor, been 3 days now.  I don't want to open another card because it increases credit risk, so now I'm stuck with not being able to consolidate as planned.  If you have more than 7500 to move around, this card is not the one to do it with.  Just use it for rewards only.  


Our Take

The Blue Cash Preferred® Card from American Express is a great choice for consumers with good to excellent credit who are looking for attractive cash back rates.

What to Like

The Blue Cash Preferred® Card from American Express pays out 6% cash back at supermarkets up to $6,000, 3% at gas stations and select department stores and 1% cash back everywhere else. Cardholders can also earn a $150 bonus for $1,000 spent in the first three months, all with no rotating categories. There’s also a 0% introductory APR for 12 months on purchases and balance transfers

Look Out For

You’ll have to balance the benefits of the cash back rewards against an annual fee. The card also includes a $5 or 3% (whichever is greater) fee for balance transfers and a 2.7% foreign transaction fee.

Similar Offers

† 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 April 2016 through September 2016. 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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