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.
6% at US supermarkets (up to $6k/yr), 6% on select US streaming, 3% on transit & US gas stations, 1% elsewhere
Credit eligibility
Issuer review required; no guaranteed score cutoff
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).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/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
1
Check American Express's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through American Express's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
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
Product
Annual Fee
Purchase APR
Rewards Rate
Blue Cash Preferred® Card from Amex
$95
19.49%–28.49%
6% at US supermarkets (up to $6k/yr), 6% on select US streaming, 3% on transit & US gas stations, 1% elsewhere
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.