Edited by: Juan Ruiz
& Kellie Jez
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Good to Excellent (670-850)
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.
With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
If you’re someone who highly values earning cash-back, then the Amex Blue Cash Preferred card is likely to be well worth it to you.
Sure, the card does have a $0 intro annual fee for the first year, then $95, which might feel counterintuitive for a cash-back card, but when you factor in the earning potential, you’re likely to come out way ahead.
Considering that you’ll earn 6% cash-back at U.S. supermarkets on up to $6,000 in spend each year, this cash-back alone would be $360 if you hit the $6,000 threshold.
When you then account for the cash-back you’d earn on your streaming subscriptions, transit purchases, U.S. gas station purchases, and your other monthly bills and utilities, you can easily see how you can rake in the cash-back with this card.
The primary benefit is the numerous bonus categories that the card offers. Cardholders will earn between 3% to 6% back on their purchases that fall within the U.S. supermarkets, U.S. gas stations, select streaming subscriptions, and transit categories, plus the 1% back you’ll earn on all other purchases.
When you purchase a product with your card, return protection covers you if the seller won’t accept a return for the item, up to 90 days from the date of purchase.
Return protection covers you for up to $300 per item, and up to a maximum of $1,000 per calendar year.
When you pay for your rental car with your Amex Blue Cash Preferred card, it comes with complimentary secondary car rental insurance. This insurance covers any damage or theft to the rental car. Keep in mind that this is secondary coverage, so you’ll need to file a claim with your primary insurance first.
As we’ve outlined, earning cash-back with your Amex Blue Cash Preferred card on all of your purchases is easy.
However, if you want to make sure you’re earning as much cash-back as possible, you must make certain to use the card on purchases in its 4 bonus categories: U.S. supermarkets, select streaming services, U.S. gas stations, and select transit purchases.
When you make purchases with your card, you’ll accrue your cash-back month to month which can be redeemed as a statement credit to offset purchases on your card when the bill comes due.
One caveat, though, is that you must have accrued at least $25 in cash-back in order to redeem it, meaning if your cash-back balance at the end of 1 month is $23.50, you’ll need to wait until you surpass $25 to redeem those funds.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
If you want a similar card that doesn’t charge an annual fee, then the Amex Blue Cash Everyday card is the perfect option. With the card, you’ll earn:
See how these 2 cards stack head-to-head in our comparison of the Amex Blue Cash Preferred card vs. Amex Blue Cash Everyday card.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
If you like the idea of a no-annual-fee, cash-back card, but prefer different bonus categories, the Freedom Flex card is a great option to consider. You’ll earn 5% back on a quarterly rotation bonus category and travel purchases through Chase, 3% back on dining and drugstores, and 1% back on all other purchases.
See how these cards compare here: Amex Blue Cash Preferred Card vs. Freedom Flex Card.
We’ve also compared the Amex Blue Cash Preferred card against other popular rewards cards:
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The card is marketed to the non-traveler or family-type buyer. Those who frequent U.S. gas stations will benefit by earning 3% cash-back on purchases there, and when you shop at U.S. supermarkets you can earn 6% cash-back on up to $6,000 in purchases, then 1%.
However, there are some good benefits to this rewards card. First, you can use the high-value cash-back to purchase gift cards to places where you wouldn’t earn many points otherwise.
There are also a variety of benefits and insurances that can help while you’re traveling (if you find that valuable).
The card does not work at warehouse stores like Costco and Sam’s, but does include chains like Trader Joe’s, Kroger, Meijer, Whole Foods, Winn-Dixie, and more. For the full list, you can access the rewards information section of the American Express website.
No, unfortunately, the card only earns cash-back that can be added to your statement as credit or used as cash for Amex’s various shopping portal items.
The cash reward cannot be used directly for travel items at this time. Your cash-back will not expire as long as you keep your account open.
Yes. The annual fee is $0 intro annual fee for the first year, then $95.
The foreign transaction fee is 2.7%.
The difference between these 2 is that the Amex Blue Cash Preferred card gives larger rewards and carries an annual fee. If your spending is at a high enough level to make up for the annual fee, then you’ll want to go with this version.
Awards on the Amex Blue Cash Everyday card are from 1% to 3% depending on category; the Amex Blue Cash Preferred card rewards are from 1% to 6% depending on category.
If the cash-back you’d earn from the Amex Blue Cash Preferred card would exceed the cost of the annual fee, then that is the card you should go for.
Yes. You can apply to upgrade your card at this link. You will simply pay the annual fee and your awards rate will increase from that point forward.
You will not receive any retroactive rewards, and your card number and information will not change; they will simply send you updated cards. You may have to pay the annual fee right away, but your awards rate will increase from that point forward.
Downgrading is possible; call your customer service number to inquire. If you’ve already paid your annual fee, ask if you can get it prorated back to you; you may be able to be refunded some of the cost.
The card has starting credit limits as low as $1,000 but can range up to $20,000 depending on qualifying factors.