Blue Cash Preferred® Card from American Express

American Express is an Experian Partner

Blue Cash Preferred® Card from American Express logo.

Blue Cash Preferred® Card from American Express

Rated 4.68 out of 5 stars, 359 reviews
Rates and fees

Terms Apply

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0 intro annual fee for the first year, then $95.

Intro APR:

0% on Purchases and Balance Transfers for 12 months

Ongoing APR:

19.49%-28.49% Variable

Ongoing Balance Transfer APR:

19.49%-28.49% Variable

Intro bonus:

You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

  • Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
  • Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
  • Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • 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. Subject to auto-renewal.
  • Terms Apply.
  • High rewards rate at U.S. supermarkets and on select U.S. streaming subscriptions

  • Potential bonus offer for new cardholders

  • Intro APR for new cardholders

  • High APR

  • Some merchants do not accept American Express

  • Annual fee after the first year

See all American Express offers

Review Snapshot

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

Learn more about credit cards

Is Credit Card Interest Compounded Daily?

5 min • Mar 2, 2026

Credit Card Basics

Can You Pay a Credit Card With a Credit Card?

5 min • Feb 27, 2026

Credit Card Basics

How Can I Get Cash Back From My Credit Card?

5 min • Feb 26, 2026

Cash Back Credit Cards

How to Get Prequalified for a Credit Card

6 min • Feb 25, 2026

Credit Card Basics

What Is a Credit Card Balance?

6 min • Feb 5, 2026

Credit Card Basics

Can You Have a Negative Balance on a Credit Card?

4 min • Feb 10, 2026

Credit Card Basics