American Express · Personal
American Express Blue Cash Preferred
A $95-a-year card earning cash back: 6× on Groceries and Streaming Services, 1× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- $300Spend $3,000 on purchases on your new Card
- Top rate
- 6×Groceries, Streaming Services
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $3,000 on purchases on your new Card within the first 6 months of Card Membership | $300 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $205 | −$95 |
The bonus needs $3,000 on purchases on your new Card within the first 6 months of Card Membership.
Earning structure
6 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Groceries US onlyCap $6,000 / 12 moNotesUS only up to $6,000 per year. | 6× | $6.00 | |
Streaming Services NotesConfirmed 3% Streaming Services (Direct Payments - don't signup via App Stores): - Netflix - Hulu, Disney+, & ESPN+ - Peacock - Paramount+ - HBO - Discovery+ - Crunchyroll - Sling TV - Fubo - Vudu - AMC+ - Starz - Spotify, SirusXM, Pandora, & Tidal - Apple TV+ & Apple Music - BritBox - MGM+ - Audible - Amazon Music Unlimited - Kindle Unlimited - DirectTV Stream - YouTube TV & YouTube Premium - Acorn TV DOES NOT WORK: - Amazon Prime Video | 6× | $6.00 | |
Gas Stations US onlyNotesUS Only | 3× | $3.00 | |
| Ridesharing | 3× | $3.00 | |
| Transit | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- American Express
- Bank
- American Express
- Point system
- Cash back
- Foreign transaction fee
- Yes, 2.7%
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules3
- Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
- Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
Benefits1 · 1 high value
- Credits & Discounts High valueDisney Bundle Credit
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 American Express Blue Cash Preferred |  Morgan Stanley Blue Cash Preferred |  Delta SkyMiles Gold |  Southwest Rapid Rewards Plus | |
|---|---|---|---|---|
| Annual fee | $95 | $95Same | $150+$55 | $99+$4 |
| Signup bonus | $300 | $250 | 80,000 pts | 50,000 pts |
| Top rate | 6×Groceries, Streaming Services | 6×Groceries, Streaming Services | 2×3 categories | 2×10 categories |
| Travel value * | –Cash back | –Cash back | 1.17¢SkyMiles | 1.28¢Rapid Rewards |
| Why it’s here | This card | Same $95 annual fee | An annual fee within $100 | An annual fee within $100 |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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