Blue Cash Preferred® Card from American Express

American Express's Premium Cash Back Card

Annual Fee $95 ($0 intro annual fee the first year)

Earning Rate 6% U.S. supermarkets (up to $6,000/year, then 1%) • 6% select U.S. streaming services • 3% U.S. gas stations • 3% transit (rideshare, taxis, buses, trains, tolls, parking) • 1% everything else

Welcome Bonus As high as $300 back after $3,000 spend in 6 months

Card Material Plastic card with translucent blue finish • colors: Blue

Apply for Blue Cash Preferred →

Practical Recommendation

Want outsized cash back without juggling a dozen credits? This is the classic "groceries + streaming" play. If your supermarket bill is decent, 6% can erase the fee quickly; the broad 3% on gas and transit fills in the rest. Amex also bumped the Disney streaming credit from $7 to $10 a month in 2025, so that alone is now $120 a year against a $95 fee—and it no longer has a minimum-spend hoop.

The first year is free ($0 intro annual fee, then $95), and the public welcome offer runs as high as $300 back after $3,000 in six months. Offers are personalized, so what you actually see on the application may be lower.

Bottom line: If your cart and queue are always full, this is easy, reliable value. Light spenders or warehouse-club shoppers should skip it—Costco and Sam's Club don't code as supermarkets.

Credits

Practical Advice

This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.

$120 Disney Streaming credit (per year, $10/month) – Enrollment required. Get up to $10 back each month when you pay for an eligible Disney+, Hulu, or ESPN+ subscription with this card. Amex raised this from $7 to $10 a month in 2025 and dropped the old minimum-spend requirement, so a single standalone subscription now triggers it. Credits don't roll, and only direct, U.S. subscriptions count (bundles are fine if billed by Disney). Great if you already pay for one of these; $0 if you don't. — See benefit

Click Here to Calculate Your Annual Fee

Credit

Include

Your Value

Practical Tip

You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.

Disney Streaming Credit

What It Is:	Up to $120 per year ($10 each month) in statement credits for eligible Disney+, Hulu, or ESPN+ subscriptions.
How It Works:	Enroll the benefit, then pay a qualifying monthly subscription with this card; a credit posts after the charge settles.
Gotchas:	No rollover; must be billed by Disney in the U.S.; third-party billing may not qualify; plan changes can interrupt credits until rebilled.
Who Actually Benefits:	Households already paying Disney+/Hulu/ESPN+ monthly.
Practical Value:	Easy, near-automatic $120 if you already subscribe; otherwise, worth $0. — Full details

Include:

Your Value:

Annual Fee: $95

Your Credits: $0

YOUR Annual Fee: $95

This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.

Perks

Earning: 6% groceries & streaming; 3% gas & transit – Load everyday spend here to maximize cash back; supermarket cap is $6,000/year, then 1%. — Earning terms
Amex Offers – Targeted merchant rebates you activate before purchase; nice extras that can stack with cash back.
0% intro APR for 12 months – On purchases and balance transfers from account opening, then the ongoing variable rate. Useful for one planned big purchase; not a reason to carry a balance long-term.

Protections

Protections (use the card for the purchase; terms apply):

Purchase Protection – Covers theft/accidental damage for 90 days, up to $1,000 per item and $50,000 per account per calendar year; helpful for gadgets and small appliances. — Purchase Protection terms
Extended Warranty – Adds up to 1 extra year on eligible manufacturer warranties of 5 years or less; up to $10,000 per item. — Extended Warranty terms
Car Rental Loss & Damage Insurance (secondary) – Coverage for damage/theft to the rental vehicle when you decline the agency's collision damage waiver and pay with the card; liability not included. Optional paid Premium Car Rental Protection is available. — Coverage info
Foreign transaction fee (2.7%) – Heads-up if you travel abroad: purchases in foreign currencies incur a 2.7% fee. Use a no-FTF card overseas. — Rates & fees PDF