US
American Express
Amex Blue Cash Preferred
AMERICAN
EXPRESS
🇺🇸 United States · American Express

Amex Blue Cash Preferred

Suburban families with kids — best US-supermarket card.

4.5 / 5
Joining fee
$0
Annual fee
$95
Top reward
6%
Min income

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5-year value calculator

How much Amex Blue Cash Preferred actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$540
Annual fee$95
Welcome bonus (year 1 only)+$250
Cumulative net value
+$2,475
over 5 years
Year 1
$695
+$695/yr
Year 2
$1,140
+$445/yr
Year 3
$1,585
+$445/yr
Year 4
$2,030
+$445/yr
Year 5
$2,475
+$445/yr
Year 1 (with bonus)
$695
Year 2+ (steady state)
$445/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else
1%
📈
shopping
6%
Capped at $6,000 per year
📈
🎁
Welcome bonus

$250 statement credit after $3,000 in 6 months

What you get

  • 6% cashback on US supermarkets (up to $6K/year, then 1%)
  • 6% on streaming subscriptions
  • 3% on US gas stations + transit
  • 1% on everything else
  • 0% intro APR for 12 months

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score
700+
Self-employed
Eligible