Cash Back
American Express Blue Cash Preferred
Every rate below is the issuer’s own, verified August 25, 2026.
−$95Annual fee
$300Welcome bonus, conservatively
1xOn everything else
Terms apply. See rates & fees on American Express. Rankings are pure math, never sold.
The rates
How it earns
Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.
Earn rates American Express Blue Cash Preferred
Groceries · up to $6,000 a year6x
Gas3x
Everything else1x
Welcome bonus · Up to $300 back after $3,000 spend in 6 months (offers vary)$300
Disney streaming credit · realistic use · $120 face value$60
Annual fee−$95
Know before you apply
Plain facts
- Who gets approvedGood credit, around 670+. The fee is $0 the first year, then $95 — we charge the $95 so the number is never flattered. Typically ~good credit or better (estimate; Amex does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by American Express and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from American Express’s own published terms, last verified August 25, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 7 of the figures it watches here were still printed there.
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