| Category | Rate | Type | Cap |
|---|---|---|---|
|
U.S. Supermarkets
6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases, then 1%. Excludes superstores (Walmart, Target) and warehouse clubs (Costco, Sam's Club, BJ's). Includes online grocery orders placed with U.S. supermarket merchants.
|
6x | Cash Back | $6,000/yr |
|
Select U.S. Streaming Subscriptions
6% cash back on select U.S. streaming subscription services with no annual spending cap. Eligible services include Disney+, Hulu, ESPN+, Netflix, Peacock, Apple TV+, Spotify, Pandora, SiriusXM, and other qualifying U.S. streaming providers categorized as streaming by the merchant.
|
6x | Cash Back | No cap |
|
U.S. Gas Stations
3% cash back at U.S. gas stations with no annual spending cap. Does not include gas purchased at superstores, supermarkets, or warehouse clubs.
|
3x | Cash Back | No cap |
|
Transit
3% cash back on transit purchases with no annual cap. Includes taxis, rideshare (Uber, Lyft), parking, tolls, trains, buses, and other eligible transit services in the U.S.
|
3x | Cash Back | No cap |
|
U.S. Supermarkets (After Cap)
1% cash back at U.S. supermarkets after the $6,000 annual spending cap is reached.
|
1x | Cash Back | No cap |
|
All Other Purchases
1% cash back on all other eligible purchases with no cap. Cash back is received as Reward Dollars redeemable as a statement credit or at Amazon.com checkout. Balance transfers and cash advances do not earn rewards.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Disney Bundle Monthly Statement Credit
Receive up to $10 back per month (up to $120 annually) as a statement credit when you use your enrolled Blue Cash Preferred Card to purchase an eligible subscription to the Disney Bundle (Disney+, Hulu, or ESPN+). Enrollment required; subject to auto-renewal.
|
Credits |
$120/year ($10/month)
Up to $120
|
|
Equinox+ Monthly Statement Credit
Receive up to $10 back per month (up to $120 annually) as a statement credit when you use your enrolled Blue Cash Preferred Card for an eligible Equinox+ digital fitness subscription or eligible Equinox club membership. Enrollment required.
|
Credits |
$120/year ($10/month)
Up to $120
|
|
$0 Intro Annual Fee — First Year
The Blue Cash Preferred Card's $95 annual fee is waived entirely for the first year of card membership, reducing the effective cost of the card in year one to $0.
|
Financial |
$0 first year, then $95/year
Up to $95
|
|
0% Intro APR on Balance Transfers
Enjoy a 0% introductory APR on balance transfers for the first 12 months from account opening. A balance transfer fee applies: either $5 or 3% of the transfer amount, whichever is greater.
|
Financial | 0% for 12 months |
|
0% Intro APR on Purchases
Enjoy a 0% introductory APR on purchases for the first 12 months from account opening. After the intro period, a variable APR of 19.49%–28.49% applies.
|
Financial | 0% for 12 months |
|
Plan It® — Buy Now, Pay Later
Split eligible purchases of $100 or more into equal monthly installments with a fixed monthly fee. Available via the online account or the American Express App. Rewards are still earned on Plan It purchases.
|
Financial | Complimentary feature |
|
Car Rental Loss and Damage Insurance
Secondary coverage against collision damage or theft of a rental vehicle when the full rental cost is paid with the card and the rental company's collision damage waiver is declined. Coverage up to $50,000 per rental agreement. Excludes coverage in Australia, Italy, and New Zealand. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $50,000 per rental
Up to $50,000
|
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on eligible purchases made with the card. Applies to warranties of five years or less, up to $10,000 per covered purchase and $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000/item, $50,000/year
Up to $10,000
|
|
Purchase Protection
Covers eligible purchases made with the card against accidental damage or theft for up to 90 days from the purchase date. Coverage up to $1,000 per occurrence and up to $50,000 per cardholder per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $1,000/item, $50,000/year
Up to $1,000
|
|
1% Cash Back on All Other Purchases
Earn 1% cash back on all other eligible purchases with no annual cap. Cash back is received as Reward Dollars redeemable as a statement credit or at Amazon.com checkout.
|
Rewards | 1% unlimited |
|
3% Cash Back at U.S. Gas Stations
Earn 3% cash back at U.S. gas stations with no annual spending cap. Does not include gas purchased at superstores, supermarkets, or warehouse clubs.
|
Rewards | 3% unlimited |
|
3% Cash Back on Transit
Earn 3% cash back on transit purchases with no annual cap, including taxis, rideshare (Uber, Lyft), parking, tolls, trains, and buses in the U.S.
|
Rewards | 3% unlimited |
|
6% Cash Back at U.S. Supermarkets
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases, then 1%. Excludes superstores like Walmart and Target, and warehouse clubs.
|
Rewards | 6% (up to $6,000/year) |
|
6% Cash Back on Select U.S. Streaming Subscriptions
Earn 6% cash back on select U.S. streaming subscription services with no annual spending cap. Eligible services include Disney+, Hulu, ESPN+, Netflix, Peacock, Apple TV+, Spotify, and other qualifying U.S. streaming providers.
|
Rewards | 6% unlimited |
|
Fraud Detection and Alerts
American Express monitors card activity 24/7 for suspicious transactions and notifies cardholders of unusual activity via text, email, or push notification through the Amex App.
|
Security | Complimentary |
|
Instant Card Number
Upon approval, cardholders can access a virtual card number immediately through the American Express App to begin making online and in-app purchases before the physical card arrives.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made with their card, provided fraudulent activity is reported promptly to American Express.
|
Security |
$0 liability
Up to $0
|
|
Amex Offers
Access to personalized merchant-specific offers providing additional statement credits or bonus cash back at select dining, shopping, and travel brands. Enrollment required in the Amex Offers section of the account before redeeming.
|
Shopping | Varies by offer |
|
Return Protection
If a merchant won't accept a return of an eligible item purchased entirely with the card within 90 days of purchase, American Express may refund the full purchase price up to $300 per item and $1,000 per calendar year. Item must be in its original, undamaged condition.
|
Shopping |
Up to $300/item, $1,000/year
Up to $300
|
|
Send & Split®
Split purchases with friends and family or send money directly using Venmo or PayPal through the American Express App without incurring a fee from American Express.
|
Shopping | Complimentary |
|
Global Assist® Hotline
24/7 emergency assistance coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for costs charged by third-party service providers.
|
Travel | Complimentary coordination |
