American Express National Bank
Amex Blue Cash Preferred® Card
A premium U.S. cashback card from American Express offering high rewards on U.S. supermarkets, select U.S. streaming subscriptions, U.S. gas stations, and transit.
Highlights
Main benefits
- 6% cash back at U.S. supermarkets up to $6,000 per year, then 1%
- 6% cash back on select U.S. streaming subscriptions
- 3% cash back at U.S. gas stations
- 3% cash back on transit purchases
- 1% cash back on other eligible purchases
- $0 intro annual fee for the first year
- $95 annual fee after the first year
- Welcome offer may be available for eligible new cardmembers
- Cashback earned as Reward Dollars
- Disney Bundle statement credit may be available with enrollment
- Good card for families and high grocery spenders
Fees
Fees and charges
Joining fee
$0 intro annual fee for the first year, then $95 annual fee
Renewal fee
$95 annual fee after the first year
Annual fee waiver
First-year annual fee is currently shown as $0 intro annual fee, then $95 from the second year onward.
Who can apply
Eligibility
Best suited for U.S. applicants with good to excellent credit. Approval depends on American Express underwriting, credit history, income, debt obligations, identity verification, and other factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official American Express Blue Cash Preferred® Card page
2. Check your personalized welcome offer, APR, annual fee, and terms
3. Click “Apply Now”
4. Enter personal, income, and contact details
5. Submit the application and wait for American Express’s decision
Value
Reward and cashback structure
Reward rate
6% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%;
6% cash back on select U.S. streaming subscriptions;
3% cash back at U.S. gas stations;
3% cash back on transit, including taxis, rideshare, parking, tolls, trains, buses, and more;
1% cash back on other eligible purchases.
Cashback
Cash back is received as Reward Dollars and can be redeemed as a statement credit or at Amazon.com checkout.
Good fit
Pros
- Excellent cashback rate for U.S. supermarket spending
- Strong cashback on streaming subscriptions
- Good rewards on gas and transit
- First-year annual fee intro offer improves initial value
- Useful for families with regular grocery bills
- Disney Bundle credit can add extra value if used
- No rotating categories to activate
- Better earning rate than many no-fee grocery cards
Watchouts
Cons
- $95 annual fee after the first year
- Supermarket 6% cashback is capped at $6,000 per year
- Only 1% cashback on non-bonus purchases
- No airport lounge access
- Not ideal for premium travel rewards
- American Express acceptance may be lower than Visa or Mastercard in some places
- Foreign transaction fee may apply
- Requires U.S. credit eligibility
Related
Related cards
Compare
Compare Cards
| Field | Amex Blue Cash Preferred® Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Bank/provider | American Express National Bank | Chase Bank USA |
| Joining fee | $0 intro annual fee for the first year, then $95 annual fee | $95 annual fee |
| Renewal fee | $95 annual fee after the first year | $95 annual fee |
| Best for | High grocery spending, streaming subscriptions, gas stations, transit, families, everyday household spending | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card |
| Reward rate |
|
|
| Cashback | Cash back is received as Reward Dollars and can be redeemed as a statement credit or at Amazon.com checkout |
|
| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit |
| Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number |
| Annual fee waiver condition | First-year annual fee is currently shown as $0 intro annual fee, then $95 from the second year onward |
|
| Eligibility |
|
|
| Apply link | Apply | Apply |