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Credit Card Review🛒 Best for Groceries

Blue Cash Preferred® Card from Amex

Issued by American Express

6% at US supermarkets (up to $6k/yr), 6% on select US streaming, 3% on transit & US gas stations, 1% elsewhere — plus Welcome offer as high as $300 cash back after $3,000 spend in 6 months; offer varies.

At a Glance

Annual Fee

$95

Purchase APR

19.49%–28.49%

Rewards Rate

6% at US supermarkets (up to $6k/yr), 6% on select US streaming, 3% on transit & US gas stations, 1% elsewhere

Min. Credit Score

670+ (est.)

Intro APR

0% on purchases & balance transfers for 12 months

Sign-Up Bonus

Welcome offer as high as $300 cash back after $3,000 spend in 6 months; offer varies

Rates & Fees

Annual Fee

$95

Purchase APR

19.49%–28.49% variable

Intro APR

0% on purchases & balance transfers for 12 months

Foreign Transaction Fee

2.7% after conversion to U.S. dollars

Balance Transfer Fee

3% intro during the first 12 months, then up to 5% ($5 min)

Cash Advance Fee

Cash advance fee applies where available; confirm current terms with Amex

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Blue Cash Preferred® Card from Amex would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: The 6% grocery rate applies to the first $6,000/year in spend, then drops to 1%.

Est. Annual Rewards

$600/yr

After $95 Annual Fee

$505/yr

Based On

$1,950/mo

Key Features

$0 introductory annual fee for the first year, then $95

6% back on eligible U.S. supermarket and streaming purchases

Up to $120 annual Disney Streaming Credit after enrollment

Pros & Cons

Pros

  • Best-in-class for groceries & streaming
  • Disney Bundle credit offsets fee
  • No foreign transaction fee

Tradeoffs

  • $6,000/yr cap on 6% grocery rate
  • $95 annual fee
  • Lower rate after grocery cap

How to Apply

Check whether your credit profile is a reasonable fit — American Express generally looks for applicants around 670+ FICO for the Blue Cash Preferred® Card from Amex, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through American Express's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Blue Cash Preferred® Card from Amex$9519.49%–28.49%6% at US supermarkets (up to $6k/yr), 6% on select US streaming, 3% on transit & US gas stations, 1% elsewhere
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Frequently Asked Questions

What credit score do I need for the Blue Cash Preferred® Card from Amex?

American Express generally looks for applicants with a credit score around 670+ for the Blue Cash Preferred® Card from Amex, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Blue Cash Preferred® Card from Amex?

The Blue Cash Preferred® Card from Amex carries a $95 annual fee. Whether that's worth it depends on how much value you get from its rewards rate and included perks each year.

Does the Blue Cash Preferred® Card from Amex have a sign-up bonus?

Yes — new cardholders can currently earn Welcome offer as high as $300 cash back after $3,000 spend in 6 months; offer varies. Bonus terms and required spend change over time, so confirm the current offer on American Express's site before applying.

What fees should I watch for on the Blue Cash Preferred® Card from Amex?

Beyond the annual fee, check the foreign transaction fee (2.7% after conversion to U.S. dollars), balance transfer fee (3% intro during the first 12 months, then up to 5% ($5 min)), cash advance fee (Cash advance fee applies where available; confirm current terms with Amex), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Blue Cash Preferred® Card from Amex compare to similar cards?

The Blue Cash Preferred® Card from Amex is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

Other Credit Cards

Citi Double Cash® Card

2% on everything (1% when you buy + 1% when you pay)

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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