BillSaver
Search Compare cards

Credit card review

Blue Cash Preferred® Card from American Express review

The grocery and streaming rates can justify the annual fee for the right household.

Review snapshot See issuer terms

Snapshot

What to know first

Issuer
American Express
Network
American Express
Annual fee
$0 intro annual fee for the first year, then $95.
Credit profile
Good to excellent
Best fit
Groceries and streaming
Categories
Best cards, Cash back, Groceries & dining

BillSaver take

Use this card only if the fit is clear

The grocery and streaming rates can justify the annual fee for the right household.

Watch out: The supermarket cap and annual fee make this a math card, not an automatic pick.

Pros

  • The grocery and streaming rates can justify the annual fee for the right household.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year, then 1%; 6% on select U.S. streaming subscriptions; 3% at eligible U.S. gas stations and transit. Annual fee: $0 intro annual fee for the first year, then $95..
  • Intro APR value: Intro APR offer on purchases and balance transfers.

Cons

  • The supermarket cap and annual fee make this a math card, not an automatic pick.
  • Not ideal for international purchases because the foreign transaction fee is 2.7%.
  • Balance transfers are not free: Balance transfer fee applies.

Best for

  • Readers who want groceries and streaming and match a good to excellent profile.
  • Households comparing Best cards, Cash back, Groceries & dining options and willing to verify current issuer terms before applying.
  • People who want a card that is cheaper to keep open long term.

Skip if

  • You will carry a balance after any intro period; interest can erase rewards quickly.
  • The main trade-off is a deal-breaker for you: The supermarket cap and annual fee make this a math card, not an automatic pick.
  • You regularly buy abroad or travel internationally and need no foreign transaction fee.

Terms snapshot

Rewards
6% cash back at U.S. supermarkets on up to $6,000 per year, then 1%; 6% on select U.S. streaming subscriptions; 3% at eligible U.S. gas stations and transit.
Welcome offer
Offer varies by applicant.
Intro APR
Intro APR offer on purchases and balance transfers.
Regular APR
19.49% to 28.49% variable APR.
Balance transfer fee
Balance transfer fee applies.
Foreign transaction fee
2.7%

Issuer terms and source check

BillSaver summarizes publicly available terms for comparison. Before applying, read the issuer terms page directly and confirm rewards, APRs, fees, welcome offer requirements, transfer rules, credits, and eligibility restrictions.

Open issuer terms for Blue Cash Preferred® Card from American Express

How BillSaver evaluates this card

We compare the card against the job a reader is likely hiring it to do: rewards, debt breathing room, travel value, student use, business spending, or credit building. The review weighs annual fee, reward simplicity, APR exposure, intro period, transfer cost, foreign transaction fee, credit profile, issuer terms access, and the practical trade-off called out above.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Source: issuer terms page linked above. Last checked May 18, 2026. Read the BillSaver credit card methodology and advertising disclosure.