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 — Disney Streaming Credit, $120 — comes with conditions.
No-hoops value covers 0% of the annual fee.

Better fit if

You'll actually use Disney Streaming Credit.
6× on groceries matches your spend.

Probably not if

You won't use Disney Streaming Credit.
You want the fee covered without chasing — $95 short.
You'd forget monthly credits.

How Perqt calculates this

Welcome offer

Earn as high as $300 cash back (received as Reward Dollars) after spending $3,000 in purchases within the first 6 months of Card Membership.

Est. value: $300
Minimum spend: $3,000
Within: 6 mo

First-year annual fee waived

Earning rates

All other purchases
On other purchases
1×
cash back
Reward Dollar Balance · None
Top earn
Groceries
At U.S. supermarkets, on up to $6,000 per calendar year in purchases (then 1%)
6×
cash back
Reward Dollar Balance · None
Top earn
Streaming
On select U.S. streaming subscriptions
6×
cash back
Reward Dollar Balance · None
Gas
At U.S. gas stations
3×
cash back
Reward Dollar Balance · None
Transit
On transit (including taxis, rideshare, parking, tolls, trains, buses, etc.)
3×
cash back
Reward Dollar Balance · None

On-card benefits & credits

Disney Streaming Credit
$10
/Monthly
Get up to a $10 monthly statement credit on eligible Disney+, Hulu, and ESPN subscriptions.
Purchase Protection
$0
/One-time
Protect eligible purchases against accidental damage or theft for up to 90 days.
Extended Warranty
$0
/One-time
Provides up to one extra year added to original manufacturer warranties of 5 years or less.
Return Protection
$0
/One-time
Refunds eligible purchases if the seller won't take them back up to 90 days from the date of purchase.
Car Rental Loss and Damage Insurance
$0
/One-time
Secondary coverage for damage or theft of a rental vehicle when you decline the collision damage waiver.
Global Assist Hotline
$0
/One-time
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.

Other American Express cards

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