Blue Cash Preferred®

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Score Needed: Good to Excellent

At a glance

Welcome Offer

Earn $250 back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.

Limited Time Offer

New Offer

All time high

Rewards

6% cash back on select U.S. streaming subscriptions.

3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).

3% cash back at U.S. gas stations.

6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then

1%).

6% cash back on select U.S. streaming subscriptions.

3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

3% cash back at U.S. gas stations.

Points on other purchases

Intro APR

0% on purchases for 12 months

Balance Transfer Intro

0% on balance transfers for 12 months

Regular APR

18.74% - 29.74% Variable

Annual Fee

$0 for the first 12 months then $95

Blue Cash Preferred®

The American Express Blue Cash Preferred® Card offers a rewarding 3% cash back at all U.S. gas stations, with no spending limit. Ideal for daily commuters and road trippers alike, this card ensures that every fill-up adds value back to your wallet, enhancing your savings effortlessly as you go about your travels.

Application Tips

Get the best results with each application

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase

Credit Inquires

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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.

Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time

Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.

Downgrade Options

The Blue Cash Preferred® Card from American Express can be downgraded to the Blue Cash Everyday® Card from American Express ($0). Please note, it is not recommended to downgrade an Amex card before 12 months of account opening.

Getting your card

Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

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Credits

$120 Equinox+ Credit

Work out at home with Equinox+ and get up to $120 back annually. Use your Blue Cash Preferred® Card to pay for a subscription1 to Equinox+ at equinoxplus.com and receive $10 in monthly statement credits.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides access to select Equinox membership privileges. Eligibility and Benefit level varies by Card.

Credits

$84 Disney Bundle Credit

Get a $7 monthly statement credit after using your enrolled Blue Cash Preferred® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for Disney Bundle subscriptions. Eligibility and Benefit level varies by Card.

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Miscellaneous Benefits

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third'party service providers.

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Auto CDW Insurance

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your Cash to any of the following American Express Travel Partners.

Points Transfer Partners

No transfer partners found

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

0% on balance transfers for 12 months

Balance transfer Fee

Balance transfer Terms

You cannot transfer balances from other credit cards issued by Amex Bank

In order or receive the intro 0% APR balance transfers must be completed within 60 days of account opening

Beware: If you make a late payment or a payment is returned, then a penalty APR may apply, and you may lose the Intro APR Offer

Foreign Transactions

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Why We Like it

We're big fans of the American Express Blue Cash Preferred® Card, and it’s easy to see why. Here's what it offers:

Car Rental Protection: Car Rental Loss and Damage Insurance for peace of mind when renting a car.
Cash Back Savings: $120 Equinox+ Credit and an $84 Disney Bundle Credit annually.
Travel Assistance: 24/7 Global Assist® Hotline for emergencies while traveling.
Return Protection: Coverage for when a purchase doesn’t work out.

The American Express Blue Cash Preferred® card enhances your everyday adventures and manages your expenses with added perks, making it more than just a credit card.

Considerations

Looking to maximize your rewards with the American Express Blue Cash Preferred® Card? Here are a few drawbacks to consider:

Annual Fee: $95 annual fee.
Limited Bonus Categories: Highest cash back rates for U.S. supermarkets, gas stations, and select streaming services.
Foreign Transaction Fees: 2.7% fee on transactions abroad.
High APR: High interest rate can be costly if you carry a balance.
Reward Redemption: Rewards only redeemable as statement credits.

Consider these points to see if the card fits your financial needs and spending habits.

Blue Cash Preferred®

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Why We Like it

Considerations

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