Amex Blue Cash Preferred card
🇺🇸 United States · American Express

Amex Blue Cash Preferred

Suburban families with kids, best US-supermarket card.

4.5 / 5

Reward rates and fees verified against the issuer source on Jul 14, 2026 · issuer source

Joining fee
$0
Annual fee
$95
Top reward
6%
Min income
None stated

External link to American Express’s own application page.

The Amex Blue Cash Preferred costs $95 a year. It earns 6% on shopping and 1% on everything else. Forex markup is 2.7%. These figures were verified against the issuer's own source on July 14, 2026.

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$468
Annual fee−$95
Welcome bonus (year 1 only)+$250
Cumulative net value
+$2,115
over 5 years
Year 1
$623
+$623/yr
Year 2
$996
+$373/yr
Year 3
$1,369
+$373/yr
Year 4
$1,742
+$373/yr
Year 5
$2,115
+$373/yr
Year 1 (with bonus)
$623
Year 2+ (steady state)
$373/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.

What does the Amex Blue Cash Preferred earn?

What you earn back, by category.

Everything else
1%
📈
shopping
6%
On up to $6,000 spend per year
📈
🎁
Welcome bonus

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

What do you get with the Amex Blue Cash Preferred?

  • 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

Who qualifies for the Amex Blue Cash Preferred?

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

Min annual income
No stated requirement
Min credit score
700+
Self-employed
Eligible

What people say about the Amex Blue Cash Preferred

Real answers from readers. No login, and nothing here affects our scores.

Amex Blue Cash Preferred FAQ

›What is the Amex Blue Cash Preferred annual fee?

The annual fee is $95 (joining fee $0).

›What does the Amex Blue Cash Preferred earn?

It earns 6% on shopping and 1% on everything else.

›What is the Amex Blue Cash Preferred forex markup?

The Amex Blue Cash Preferred charges 2.7% forex markup on foreign-currency spends.

›What income do you need for the Amex Blue Cash Preferred?

American Express publishes no minimum income requirement for this card; approval rests on your credit profile.

›What is the Amex Blue Cash Preferred welcome bonus?

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

›Are these Amex Blue Cash Preferred figures verified?

These figures were verified against the issuer's own source on July 14, 2026.