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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Blue Cash Preferred Card card art
Blue Cash Preferred 1 of 1
Comparing 1 card
Blue Cash Preferred Card card art
American Express
Blue Cash Preferred
Apply Details
Cost and value $95 fee
Annual fee
$95
Credits you can use a year, if you use every one
$120
Fee after credits
$25 back credits beat the fee
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
2.7%
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $300 statement credit, about $300
Bonus
$300 statement credit
Estimated value
$300
Spend to earn it less a month is easier
$3,000 in 180 days about $500 a month
Varies by applicant
Yes the issuer may show you a different offer
Earning rates Top rate 6% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Groceries
6% back on up to $6,000/yr
Gas
3% back
Transit / Rideshare
3% back
Streaming / Subscriptions
6% back
Everything else
1% back
Statement credits $120 a year
Streaming and digital
  • $120 a year $10 every month
    What counts

    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.

Monthly credits to track fewer is less work
1
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Travel benefits
  • 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.
Protection and insurance 4 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Rental car
  • 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.
Extended warranty
  • 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.
Purchase protection
  • 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.
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.
Lifestyle and other perks 1 perk
Lifestyle and entertainment
  • 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.
Authorized users Paid
Cost
Up to 10 authorized users at no cost.
Each one gets
  • Car rental loss and damage insurance
  • Extended warranty
  • Purchase protection
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type
Personal