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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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Everyday spending can add up quickly. When you take a few trips to the grocery store, fill up the gas tank, take an Uber ride out to dinner, then add on the cost of that Netflix subscription, and you’ll easily have hundreds of dollars in purchases.
We’re all about earning rewards, especially on purchases you make on a daily basis. Earning rewards on these purchases can add a ton of extra cash to your household.
One way to ensure you receive all the rewards you deserve is to select a credit card that earns the highest rewards on your biggest expenses.
Let’s talk about how easy it is to earn rewards on the Amex Blue Cash Preferred card, look at its redemption options, and peruse the travel and shopping benefits and protections that come with the card.
We’ll also look at a couple of alternative cards that could be a potential fit if you’re looking to make sure your everyday purchases (and more) get rewarded appropriately.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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.
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.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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!
Pros
6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
1% cash-back on all other purchases
Cons
$0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
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 at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
You’ll be earning cash-back in the form of Reward Dollars on every purchase you make with the Amex Blue Cash Preferred card. Thanks to its bonus categories of supermarkets, gas stations, and streaming services, it is one of the best cards for monthly bills.
1. An Introductory Welcome Bonus
Jumpstart your earnings with a welcome bonus shown below:
Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
Earn up to $360 cash-back each year when you spend at U.S. supermarkets. You’ll earn 6% cash-back on up to $6,000 in purchases each card anniversary year. After that, supermarket purchases earn just 1% cash-back.
Note that warehouse clubs and stores such as Walmart and Target are not considered grocery stores.
3. Earning on Streaming Services
Most streaming services qualify for the 6% cash-back bonus category earning. Image Credit: Google Play
For every dollar you spend on U.S. streaming services, you’ll receive 6 cents in cash-back. Examples of streaming services that earn this 6% cash-back include Netflix, Disney+, Hulu, Paramount+, Pandora, Spotify, Prime Video, and many more.
There is no limit on 6% cash-back earning for streaming services.
4. Earning on Transit and at Gas Stations
For those who spend a lot at gas stations and on transit, you’ll enjoy the unlimited3% cash-back for every dollar you spend. Transit includes ride-sharing services (like Uber and Lyft), buses, subway transport, parking, tolls, and much more.
5. Earning on Every Purchase
Every purchase you make that doesn’t fall into 1 of the bonus earning categories earns 1% cash-back.
Note that the Amex Blue Cash Preferred card does charge a foreign transaction fee of 2.7% on “transactions converted to U.S. dollars” — meaning it may not be the best card for frequent travelers.
Bottom Line: With several bonus earning categories and up to 6% cash-back, earning lots of Reward Dollars with the Amex Blue Cash Preferred card for everyday purchases at grocery stores, on streaming services, at gas stations, and on transit is a simple process.
Redeeming Rewards
Reward Dollars earned on the Amex Blue Cash Preferred card offer several options at redemption time.
6. Redeem for Statement Credits
Simplicity also rules when it comes time to redeeming your Amex Blue Cash Preferred card Reward Dollars. The cash-back you’ve earned can be used as a statement credit towards purchases — this couldn’t be an easier option if you value a straightforward redemption.
Reward Dollars must be redeemed in $25 increments.
7. Redeem for Merchandise and Gift Cards
While you have the additional option to redeem your Reward Dollars for merchandise and gift cards, always compare prices elsewhere.
For example, for merchandise, check other retailers to ensure the price you’re offered is a good one. You can always redeem your Reward Dollars for cash and purchase the item where you found the best deal.
Travel Benefits and Protections
Cardholders have access to premium car rental coverage for 1 low fee that covers your entire rental period. Image Credit: American Express
You’ll find a nice collection of travel perks and protections on the Amex Blue Cash Preferred card. Here are some of the core travel benefits you can expect.
8. Lowest Hotel Rate Guarantee
If you book your prepaid hotel with Amex Travel using your eligible card and find the same room advertised online for less, you could receive the difference in price (restrictions apply).
9. Rental Car Program Benefits
Cardholders receive Hertz car rental benefits including discounted pricing, additional driver fees waived, and a 1 car class upgrade for rentals 5 days or more.
Use your eligible card and code 705500 at booking.
10. Car Rental Loss and Damage Insurance
Use your card to reserve and pay for your rental car, decline the agency’s collision damage waiver coverage, and receive secondary rental car coverage for damage, theft, and loss of use. Rentals of 30 days or less are covered, up to $50,000 per rental agreement.
Secondary coverage means that you must first file a claim with any other applicable insurance company.
11. Access to Premium Car Rental Protection
Amex Blue Cash Preferred card members qualify to purchase Premium Car Rental Protection for a flat rate of $12.95 to $24.95 per rental period of up to 42 consecutive days in length.
Premium Car Rental Protection is primary car rental insurance, offering up to $100,000 in benefits. You do not have to file a claim with your own insurance company first when you purchase this coverage.
12. Concierge and Travel Assistance
Receive help planning your trip or assistance services 24/7 when you’re traveling more than 100 miles from home.
13. Global Assist Hotline
Get help any time of the day or night with services that include legal and medical referrals, translation services, help to replace a lost passport, making emergency arrangements, and much more. Referral services are complimentary but cardholders are responsible for the cost of actual services.
Shopping Benefits and Protections
Purchases made with your Amex Blue Cash Preferred card may qualify for shopping benefits and protections. Image Credit: Dylan Ferreira via Unsplash
Using your Amex Blue Cash Preferred card for shopping can save you plenty of money and offer protection for eligible items. Here are some of the benefits you’ll receive when shopping with your card:
14. 0% Introductory APR Period
The Amex Blue Cash Preferred card is currently offering:
Low Intro APR: 0% on purchases for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%. (rates & fees)
Amex Offers allows you to enroll your card in special offers that can save you hundreds (even thousands) of dollars each year on specific purchases.
17. American Express Auto Purchasing Program
The American Express Auto Purchasing Program saves members money by offering discounted pricing on new car purchases. In addition, you may be able to pay up to $2,000 or more of the purchase price when using your Amex Blue Cash Preferred card.
18. Purchase Protection
It can be frustrating when a new item you purchased gets damaged or stolen. If you purchase a covered item with your Amex Blue Cash Preferred card, you will have coverage for damage or theft for 90 days from the purchase date. Benefit amounts are $1,000 per item, up to a maximum of $50,000 per eligible card.
19. Return Protection
Purchase an item with your eligible card and if within 90 days of purchase the merchant will not accept the return, you could receive up to $300 per item, up to a maximum of $1,000 in a calendar year per account.
20. Extended Warranty
Eligible items purchased with your card will have the manufacturer’s warranty of 5 years or less extended by 1 additional year. Benefit amounts are $10,000 per item, up to a maximum of $50,000 per account.
21. VIP Entertainment Access
Cardholders receive access to presale ticket availability before the general public, member-only exclusive events, and priority event seating.
22. Complimentary ShopRunner Membership
Receive free 2-day shipping and free returns with your complimentary ShopRunner membership. Just use your card to shop at over 100 different retail stores. Membership has a regular value of $79.
Bottom Line: The Amex Blue Cash Preferred card comes with travel assistance benefits, car rental coverage, money-saving shopping benefits, protections for eligible items purchased with your card, and more. A list of all benefits and protections can be found in the card’s guide to benefits.
Additional Benefits
23. No Authorized User Fee
You can earn more cash-back at a faster rate by adding additional cardholders at no charge (rates & fees).
Alternative Card to the Amex Blue Cash Preferred Card
If you are considering the Amex Blue Cash Preferred card because of its earnings on everyday purchases such as U.S. grocery stores, you may find the American Express® Gold Card a viable alternative.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
While earning cash-back rewards on the Amex Blue Cash Preferred card is simple, if you’re a traveler who enjoys earning elevated rewards on both everyday spending and on your travel purchases, the Amex Gold card could offer better value.
If you spend $6,000 a year at U.S. grocery stores, you’ll more than maximize the value of having the Amex Blue Cash Preferred card. The additional Reward Dollars you earn at U.S. gas stations, on streaming services, and on transit would be a plus and add even more value.
Keep in mind that this card does have an annual fee, so you’ll need to make eligible bonus category purchases to offset that cost or the card may not be worth it for you. It would take $1,584 in 6% cash-back purchases to offset the current annual fee.
While the card pairs well with those who want to earn rewards on everyday spending, it falls short for frequent travelers. If you travel often, the foreign transaction fees, lack of bonus earning on general travel purchases, and no flexible travel transfer or redemption options mean this card may not be the best fit if you.
However, the Amex Blue Cash Preferred card could make an appropriate companion card to a travel rewards credit card.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here. For rates and fees of the American Express® Gold Card, click here.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Is the Amex Blue Cash Preferred card worth it?
If you spend more than $1,584 at supermarkets and on streaming services each year, the Amex Blue Cash Preferred card is worth it. This is because the card charges an annual fee and you’ll need to spend that much on the card in 6% cash-back bonus categories to offset the current annual fee.
If you spend the maximum $6,000 at U.S. supermarkets, you will earn $360 in Reward Dollars. Additionally, the card earns an unlimited 6% on streaming services and 3% on transit and at gas stations.
How does cash-back on the Amex Blue Cash Preferred card work?
Cash back is earned on the card in the form of Reward Dollars. Once you have $25 in Reward Dollars accumulated in your account, you can redeem the dollars for cash-back statement credits.
Reward Dollars must be redeemed in increments of $25.
You can also redeem your Reward Dollars for gift cards or merchandise.
Does the Amex Blue Cash Preferred card earn Membership Rewards points?
The Amex Blue Cash Preferred card does not earn Membership Rewards points. The card earns cash-back in the form of Reward Dollars.
What credit score do I need to get the Amex Blue Cash Preferred card?
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
![23 Benefits of the Amex Blue Cash Preferred Card [2023]](https://upgradedpoints.com/wp-content/uploads/2022/12/Amex-Blue-Cash-Preferred-Upgraded-Points-LLC.jpg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
