Blue Cash Preferred
American Express$0 first year (then $95)2.7% foreign transaction feeIssuer's page
Already have it? Keep it.
Welcome bonus
Up to$300
after $3,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
At the advertised maximum.
| First-year value | Amount |
|---|---|
| Welcome bonus (up to)$300 cash | $300 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$293 |
| Annual fee$0 the first year, then $95 | $0 |
| Meeting the $3,000 minimumearns 1% here vs 2% on Double Cash | −$30 |
| First year at the advertised maximum | $563 |
| Each year after | +$323 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 6% | US Grocery Storesup to $6K per year, then 1% | 6% |
| 3% | US Gas Stations | 3% |
| 6% | Select US streaming services | 6% |
| 3% | Transit | 3% |
| 1% | Everything else | 1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 3% | Rideshare | 3% |
Personal card · Earns Cash Back
Where this card ranks
- Tied best card for groceries6.0%
- Listed among 111 cards for gas3.0%
- Listed among 82 cards for transit3.0%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (1)
- Disney Streaming: $10 (Monthly)
Enrollment required. Earn up to $10 back per month after purchasing a subscription on DisneyPlus.com, Hulu.com, or Plus.espn.com. Monthly billing required.
Protections (4)
- Purchase Protection, up to $1,000, 90 days coverage for theft or accidental damage, up to $1,000 per item and $50,000 per calendar year. Limited to $500 per natural disaster event.
- Extended Warranty, up to $10,000, Extends original manufacturer warranty by up to 1 year on warranties of 5 years or less. Up to $10,000 per item, $50,000 per calendar year.
- Return Protection, up to $300, Up to $300 per item for eligible items the merchant won't take back, within 90 days of purchase. Up to $1,000 per calendar year.
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage for rental car damage or theft, up to $50,000. Covers rentals up to 30 consecutive days.
Other Perks
- Global Assist Hotline: access to medical, legal, financial, and emergency services when traveling 100+ miles from home
The Blue Cash family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from As High As $300 Cash Back. Find Out Your Offer. You may be eligible for up to $300 in cash back after spending $3K on your new Card in the first 6 months. Welcome offers vary, and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply Rates & Fees, $0 introductory annual fee for the first year, then $95 to As High As $300 Cash Back. Find Out Your Offer. You may be eligible for up to $300 in cash back after spending $3K on your new Card in the first 6 months. Welcome offers vary, and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply, $0 introductory annual fee for the first year, then $95Oct 11, 2026
- changed from null to Blue Cash PreferredOct 8, 2026
- changed from null to 0Oct 2, 2026
- changed from null to creditSep 2, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 180Aug 13, 2026