Blue Cash Preferred Card from American Express
A American Express American Express card with a $95 annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $869 | $474 | $2,764 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $1,147 | $687 | $3,893 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,252 | $787 | $4,400 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Blue Cash Preferred ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Blue Cash Preferred |
|---|---|
| Issuer and network | American Express, American Express |
| Annual fee | $95 ($0 first year) |
| Requires | Nothing extra |
| Welcome offer | $300 after $3,000 in 6 months |
| Earning | 6% at U.S. supermarkets on up to $6,000 a calendar year · 6% on select U.S. streaming subscriptions · 3% on transit (taxis/rideshare, parking, tolls, trains, buses, ferries, subways) · 3% at U.S. gas stations · 1% on everything else |
| Rewards currency | Cash back |
| Statement credits | $120 Disney Streaming Credit ($10 a month) |
| Lounges | None |
| Foreign transaction fee | 2.7% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- $0 intro annual fee for the first year, then $95. No fee for additional cards.
- U.S. restrictions: supermarkets and gas stations must be in the U.S.; streaming must be select U.S. subscriptions (list at americanexpress.com/rewards-info). Superstores, convenience stores, warehouse clubs and meal kits are not supermarkets; superstores, supermarkets and warehouse clubs that sell gas are not gas stations. Transit excludes airfare, car rental and cruises.
- Rewards are Blue Cash Reward Dollars (currency 'cash'), not Membership Rewards; no minimum redemption.
- Foreign transaction fee: 2.7%.
Already have it? Is the Blue Cash Preferred still worth $95 a year?