Amex
Blue Cash Preferred Card
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Card review
Blue Cash Preferred Card
Amex
Last updated October 11, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
300 pts welcome offer
Est. net value
$648/yr
Credit score
Varies
Top earn rate
6x groceries
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Blue Cash Preferred Card from Amex carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $742.80 in rewards plus $0.00 in credits and perks — $647.80 net per year before welcome bonuses.
How the points work
6% back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
6% back on select U.S. streaming subscriptions
3% back at U.S. gas stations and on transit
1% back at everywhere else.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| GroceriesU.S. Supermarkets | 6× |
| EntertainmentU.S. Streaming | 6× |
| TransitTransit | 3× |
| GasU.S. Gas Stations | 3× |
| Everything elseAll Purchases | 1× |
Welcome offer
300 points
- Spend $3,000 in 180 days
- Est. value: $3 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Car Rental Loss and Damage Insurance
Provides secondary coverage for damage or theft to a rental vehicle when you use your card to pay for the rental and decline the rental company's collision damage waiver.
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
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$95
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.