Blue Cash Preferred® Card from American Express

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. 1% cash back on other purchases. 
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017. 
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. 
  • $95 annual fee.
  • Terms Apply.
Annual Fee:
$95
Purchase Intro APR:
0%
(12 Months)
Purchase Regular APR:
15.24% - 26.24%*
Variable
Balance Transfer Intro APR:
0%
(12 Months)
Balance Transfer Regular APR:
15.24% - 26.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

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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 27.49%* 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

Rewards

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

Gas

3% cash back per dollar

3% cash back at U.S. gas stations

Groceries

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
Jennie108
by Jennie108
Helpful to 206 out of 213

Applied for the blue cash card last week and got the 7-10 day message, about 2 hours later got an email saying I was approved but didn’t tell me anything about credit limit or anything. Well today I received the card in the mail and was super happy to see they gave me a $5,000 limit! Been working on my credit for almost two years, today my FICO is 657 but keeps fluctuating between 650-675. It’s my highest limit card at this point, I have a Discover It with a $2,400 limit and a Capital One Platinum with a $1,250 limit and some store cards with limits of $800 and under. Hopefully this new card will help boost my credit up. So if anyone’s got a score like mine I would suggest giving it a try. Will update later once I’ve had the card for awhile!

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
ronpeet01
BWARE IF YOU USE THEY WILL LOWER & KILL CREDIT
by ronpeet01
Helpful to 124 out of 142

I have been with them for about 3 Yrs with a 10,000 limit. Never missed a payment always on time and decided to use it for the points that I never got by the way real nice of them so that's another lie. Anyway I had about 1,500 on the card for no reason they lowered my credit limit to 1,700 for no reason. Again I was never late with fantastic credit. When they did that it really hurt my Credit Score don't trust them if you work hard like I do to keep your credit score excellent. DON'T TRUST THEM IF YOU DO YOU WILL REMEMBER THIS REVIEW WHEN THEY BURN YOU AND HURT YOUR CREDIT. BE CAREFUL.


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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 2018 through December 2018. 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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