What credit score do I need for the Blue Cash Preferred?

Approval is generally easier with a score of 670 or higher.

Is the Blue Cash Preferred's annual fee worth it?

It charges $95 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the Blue Cash Preferred?

Use WalletFlo's reward calculator at /tools/rewards-calc/blue-cash-preferred to model net value on your spending.

Blue Cash Preferred Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Groceries

Entertainment

Gas

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Blue Cash Preferred from American Express carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $742.80 in rewards plus $84.00 in credits and perks — $731.80 net per year before welcome bonuses.

How the points work

6% US supermarkets (up to $6k/yr), 6% select streaming, 3% gas/transit, 1% else

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate

Groceries
6%
EntertainmentStreaming
6%
GasGas & Transit
3%
Dining
1%
Travel
1%
TravelFlights
1%
TravelHotels
1%
Everything elseShopping
1%
Everything elseOther
1%

Welcome offer

250 points

Spend $3,000 in 180 days
Est. value: $3 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

Disney Bundle Credit$84/yr
$7/mo when spending $9.99+ on Disney Bundle

Benefits

Car Rental Loss and Damage Insurance
Provides secondary coverage for damage or theft to an eligible rental vehicle when you use your card to pay and decline the rental company's waiver. Exclusions and restrictions apply.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$95

Stated credits+$84

Perks (est.)+$0

Net after credits & perks-$11

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

Full Analysis Rewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

Estimate annual rewards and net value on your spend.

Open Calculator

Side by Side Compare

Compare against another card with the same spend profile.

Open Calculator

Is the Annual Fee Worth it?

See if credits and perks offset the annual fee.

Open Calculator

Points & Miles → $ Converter

Convert points and miles to estimated cash value.

Open Calculator

Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

Open Calculator

Transfer Partner Calculator

Explore transfer partner conversions across programs.

Open Calculator

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$732/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

Apply Now Back to directory

Compare Blue Cash Preferred

Head-to-head guides for cards shoppers often cross-shop.

FAQ's

We flag 670+ as a typical starting point — issuer approval depends on your full profile.
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.