Blue Cash Preferred

Annual fee: $95
Network: amex
Type: personal

Earn 6% cash back at US supermarkets (up to $6,000 per year, then 1%) and on select US streaming subscriptions, 3% cash back on transit and at US gas stations, and 1% cash back on all other purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$120

What the issuer advertises.

02Realistic

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$120 of the advertised value — 100% — comes with strings attached.

Why Perqt says this

$120 advertised across 1 benefits.
$120 (100%) needs a booking, enrollment, or deadline.
Biggest credit — $120 Disney Streaming Credit, $120 — only via Disney.
No-hoops value covers 0% of the annual fee.

Better fit if

You book travel through Disney.
6× on U.S. supermarkets matches your spend.

Probably not if

You book direct, not via Disney.
You want the fee covered without chasing — $95 short.

How Perqt calculates this

Welcome offer

As high as $300 cash back (in the form of Reward Dollars) after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.

Minimum spend: $3,000
Within: 6 mo

First-year annual fee waived

Earning rates

Other purchases
1×
cash back
Top earn
U.S. supermarkets
on up to $6,000 per year in purchases, then it’s 1%
6×
cash back
Top earn
Select U.S. streaming subscriptions
6×
cash back
Gas at U.S. gas stations
3×
cash back
Transit
3×
cash back

On-card benefits & credits

$120 Disney Streaming Credit
$10
/Monthly
Get up to $10 back monthly in statement credits when you use your enrolled Blue Cash Preferred® Card to purchase a subscription, including a bundle subscription, on DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites.
Global Assist® Hotline
$0
/As needed
Access to 24/7 emergency assistance and coordination services when traveling more than 100 miles from home. Card Members are responsible for third-party costs.
Purchase Protection
$0
/As needed
Protect eligible purchases against accidental damage or theft for up to 90 days.
American Express Venue Collection
$0
/Annual
On-site perks such as dedicated entrances or fast lanes at select stadiums and arenas. Enrolled Cards also get 10% back on qualifying concessions purchases, up to $250 in statement credits per calendar year. Offer ends December 31, 2026. The 10% back depends on member spend, so it carries no fixed annual dollar value.
Amex Special Ticket Access
$0
/As needed
Access to Amex Presale Tickets and Amex Reserved Tickets for select events across sports, music and more, plus additional perks at select events.
Return Protection
$0
/As needed
Refunds eligible purchases if the seller won't take them back up to 90 days from the date of purchase.
Extended Warranty
$0
/As needed
Provides up to one extra year added to original manufacturer warranties of 5 years or less.
Car Rental Loss and Damage Insurance
$0
/As needed
Secondary coverage for damage or theft of a rental vehicle when you decline the collision damage waiver.

Other American Express cards

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