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Blue Cash Preferred Card card art
Sign-up bonus
$300 statement credit ≈ $300 value
after $3,000 spend in 180 days · may vary by applicant
American Express

Blue Cash Preferred Card

Annual fee $95 Fact
Foreign transaction fee 2.70%
Rewards currency cash back
Cash back value 1.00¢ Fact
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Last updated Oct 27, 2026

Checked Oct 27, 2026

Before you apply
2/90. American Express generally approves at most 2 of its credit cards per 90 days. Community-reported.
Once per lifetime. American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language. Issuer-stated.
5 credit card limit. American Express generally limits you to 5 of its credit cards at once. Community-reported.
10 charge card limit. American Express generally limits you to 10 of its charge cards at once. Community-reported.

General American Express policies as commonly reported by applicants, not a prediction about your application.

Sign-up bonus history
5-year best: $350 credit
$3k spend 5-year best
2022 2023 2024 2025 2026 now 5-yr best · $350 $350 credit after $3,000 spend (Oct 2021 to Nov 2021 · 9 days) · 5-year best $300 credit after $3,000 spend (Nov 2021 to Jul 2022 · 8 mo) $300 $350 credit after $3,000 spend (Jul 2022 to Jan 2023 · 7 mo) · 5-year best $350 $250 credit after $3,000 spend (Jan 2023 to Mar 2026 · 3.1 yr) $250 $300 credit after $3,000 spend (Mar 2026 to Oct 2026 · 7 mo) $250 credit after $3,000 spend (Oct 2026 to Oct 2026 · 9 days) $300 credit after $3,000 spend (Oct 2026 to Oct 2026 · 8 days) $250 credit after $3,000 spend (Oct 2026 to Oct 2026 · 8 days) $300 credit after $3,000 spend (Oct 2026 to now · 3 days) · current offer ★ Best $350 · Oct 2021 Now $300
View as a table
PeriodBonusSpend requirement
Oct 2021 to Nov 2021 · 9 days $350 credit Best $3,000
Nov 2021 to Jul 2022 · 8 mo $300 credit $3,000
Jul 2022 to Jan 2023 · 7 mo $350 credit Best $3,000
Jan 2023 to Mar 2026 · 3.1 yr $250 credit $3,000
Mar 2026 to Oct 2026 · 7 mo $300 credit $3,000
Oct 2026 to Oct 2026 · 9 days $250 credit $3,000
Oct 2026 to Oct 2026 · 8 days $300 credit $3,000
Oct 2026 to Oct 2026 · 8 days $250 credit $3,000
Oct 2026 to now · 3 days $300 credit $3,000

Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.

How you earn
CategoryRateCurrencyCap
Streaming 6% cash back No cap
Groceries 6% cash back $6,000/yr
Gas and EV charging 3% cash back No cap
Transit and rideshare 3% cash back No cap
Everything else 1% cash back No cap
Recurring credits
Estimated value
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, up to $120 per year.
Shared across the account
$120/yr (Monthly)

Credit value depends on whether you use each credit; treat these as potential value.

Benefits & protections
Card facts
Travel Benefits 1

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

Lifestyle & Entertainment 1

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events and moments across sports, music, and more, plus additional perks when attending select events.

Protection & Insurance 4

Extended Warranty can provide up to one extra year added to the Original Manufacturer's Warranty for warranties of 5 years or less. Coverage is up to the actual amount charged to the Eligible Card for the item up to a maximum of $10,000, not to exceed $50,000 per Card Member account per calendar year.

Covers authorized users when they pay with their card

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.

Shared across the account

Purchase Protection can help protect Covered Purchases for up to 90 days from the purchase date if stolen or accidentally damaged, limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year.

Covers authorized users when they pay with their card

When you use your Eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental counter, you can be covered for damage to or theft of a rental vehicle in a covered territory. Secondary coverage, does not include liability coverage. Not available in Australia, Italy, and New Zealand.

Covers authorized users when they pay with their card

Authorized users on the Blue Cash Preferred

Card facts

Up to 10 authorized users at no cost. Must be 13 or older.

Each authorized user gets

  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection

Shared across the account

  • Disney streaming credit
  • Return protection
News on this card

There are recent changes to this card's benefits and fees. Add it to My Cards with the I have this card button, or mark it I'm interested to follow it, and they show here and on your dashboard.