Blue Cash Preferred Card Review

Looking for a credit card that rewards your everyday purchases while offering premium benefits? The Blue Cash Preferred Card is a perfect tool!

The Blue Cash Preferred Card from American Express is designed to turn your routine expenses into significant savings and perks. This card is not your typical cash-back credit card. It’s a financial tool crafted to reward you where it matters most: on groceries, streaming subscriptions, transit, and gas. 

With some of the highest cash-back rates available and the backing of American Express’ trusted reputation, this card makes every dollar count. Whether you’re shopping for your family’s weekly meals or catching up on your favorite streaming series, this card ensures you’re rewarded for life’s essentials and luxuries. Let’s dive into what makes it stand out.

CREDIT CARD

BLUE CASH PREFERRED AMEX

6% CASH REWARDS EARN $300 BACK

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Benefits in Detail

6% Cash Back at U.S. Supermarkets

Earn a remarkable 6% cashback on groceries at U.S. supermarkets, capped at $6,000 annually. From your weekly grocery haul to preparing for special gatherings, you’ll enjoy substantial rewards on your food purchases.

3% Cashback on Transit Expenses

Whether you rely on public transportation, rideshares, or need parking, get 3% cashback on transit-related expenses. The Blue Cash Preferred Card makes commuting more cost-effective, regardless of how you travel.

1% Cashback on Miscellaneous Purchases

For all other purchases, you’ll earn 1% cashback. Whether you’re dining out, shopping online, or covering everyday essentials, you’ll be rewarded with every swipe.

Generous $250 Welcome Bonus

Receive a $250 statement credit after spending $3,000 on your card within the first six months. It’s a fantastic way to jumpstart your cash-back earnings and get immediate value.

Hassle-Free Rewards Redemption

Enjoy effortless rewards redemption as cash back is applied automatically as a statement credit. Use your accumulated rewards to reduce your card balance or offset future expenses, ensuring every dollar you earn is put to good use.

First-Year Annual Fee Waiver

Test out all the benefits of the Blue Cash Preferred Card with no annual fee during your first year. This makes it easy to explore everything the card offers without initial costs.

Exclusive American Express Perks

Access exclusive deals and promotions at select retailers and services. As a cardholder, you’ll unlock unique savings opportunities to stretch your spending even further.

Comprehensive Purchase Protection

Feel confident with purchase protection on eligible items, shielding them against accidental damage or theft for added peace of mind.

Extended Warranty Benefits

Extend the original manufacturer’s warranty on qualified purchases, giving you additional time and assurance for your valuable items.

Travel Accident Insurance Coverage

Travel worry-free with accident insurance that provides financial protection during your trips, enhancing your peace of mind while you’re on the go.

Advanced Fraud Prevention Features

Protect your account with cutting-edge fraud detection tools that ensure your financial details remain secure and unauthorized transactions are stopped promptly.

Who Can Apply?

To be eligible for the Blue Cash Preferred Card, you must meet the following requirements:

• Have a credit score in the good to excellent range (typically 670 or higher).
• Be at least 18 years old.
• Possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Meet American Express’s general approval criteria, including a steady source of income and responsible credit usage.

How to Apply?

Applying for the Blue Cash Preferred Card is a simple and straightforward process:

1. Visit the American Express Website: Navigate to the Blue Cash Preferred Card page.
2. Complete the Application Form: Provide your personal, financial, and contact information.
3. Review Terms and Conditions: Ensure you understand the annual fee, interest rates, and reward structure.
4. Submit Your Application: Click submit and wait for a decision, which typically arrives within minutes.
5. Activate Your Card: Once approved, follow the instructions to activate your card and start earning rewards.

FAQs

Is there a cap on rewards?

Yes, the 6% cash-back rate at U.S. supermarkets applies to the first $6,000 spent annually. After that, the rate drops to 1%. Other categories, like streaming and gas, do not have a cap.

Does the card have a foreign transaction fee?

Yes, the Blue Cash Preferred Card charges a 2.7% fee on purchases made outside the U.S.

Can I use the rewards as statement credits?

Absolutely. Your cash back is applied as a statement credit, reducing your card balance directly.

What happens if I don’t meet the minimum spending requirement for the welcome offer?

If you don’t meet the required spending threshold, you won’t receive the bonus, but you can still earn regular cash back on your purchases.

How does the Plan It feature work?

Plan It allows you to pay off eligible purchases over time in monthly installments, with a fixed fee rather than interest charges. This feature offers flexibility for managing larger expenses.

The Blue Cash Preferred Card is a top choice for individuals and families who want to make the most of their everyday spending. Ready to enjoy unmatched rewards? Apply today and start saving!

CREDIT CARD

BLUE CASH PREFERRED AMEX

6% CASH REWARDS EARN $300 BACK

GET CARD You will be redirected