Amex Blue Cash Preferred
$95/year, earning Cash, on the American Express network.
Card terms last verified against issuer pages on 2026-09-20.
The Amex Blue Cash Preferred is a $95/year card from American Express earning Cash. It earns 6x on grocery, 6x on streaming service, 3x on gas and 1x on everything else. It carries 1 recurring statement credit worth $120 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Grocery | 6x | |
| Streaming Service | 6x | |
| Gas | 3x | |
| Transit | 3x | |
| Other | 1x | Everything else |
Statement credits
$120 a year across 1 credit against a $95 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Purchase Protection — Purchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 90 days from the date of purchase, up to $1,000 per item and $50,000 per cardholder per year.
- Extended Warranty — Extended warranty coverage that adds up to one extra year to the original manufacturer's warranty of 5 years or less. Coverage up to $10,000 per item and $50,000 per year. Items must be purchased entirely with the card.
- Car Rental Insurance — Secondary car rental loss and damage insurance covering rental car damage or theft up to $50,000 per rental agreement. Also covers accidental injury, accidental death or dismemberment, and personal property damage. Secondary coverage means you must file with any other insurance first.
- Return Protection — When you try to return a new, working item purchased entirely with the card and the merchant won't accept the return within 90 days of purchase, American Express may refund the full purchase price (excluding shipping and handling). Up to $300 per item and $1,000 per account each calendar year.
Questions people ask about the Amex Blue Cash Preferred
What is the annual fee on the Amex Blue Cash Preferred?
The Amex Blue Cash Preferred has a $95 annual fee.
What statement credits does the Amex Blue Cash Preferred include?
It carries 1 recurring statement credit worth $120 a year in total: $10 Monthly Disney Bundle Credit ($10 monthly, resets on the cardmember year). Verified 2026-09-20.
What does the Amex Blue Cash Preferred earn?
6x on grocery, 6x on streaming service, 3x on gas, 3x on transit, and 1x on everything else, in Cash.
Is the Amex Blue Cash Preferred worth the annual fee?
Its recurring statement credits total $120 a year against a $95 fee, so the card pays for itself on credits alone if you use 80% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Amex Blue Cash Preferred charge foreign transaction fees?
Yes — the Amex Blue Cash Preferred charges a foreign transaction fee on purchases made outside the United States.
Other American Express cards
Amex Blue Cash Everyday
Amex Business Gold
