Blue Cash Preferred® Card
$95 a year. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee $95”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
“Foreign Transaction: 2.7% of the converted U.S. dollar amount.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $325 | $230 |
| Typical spender | $650 | $555 |
| Heavy spender | $1,030 | $935 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Blue Cash
- 6%eligible purchases at supermarkets located in the U.S.
- 6%eligible purchases of U.S. streaming subscriptions from select providers
- 3%eligible purchases of gasoline at gasoline stations located in the U.S.
- 3%eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways
- 1%Everything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee $95” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Balance transfer APR | Cardmember agreementFiled with the CFPB · PDF “APR For Balance Transfers Prime Rate + 12.74% to Prime Rate + 21.74% for any balance transfer requests we”
|
| Balance transfer fee | Cardmember agreementFiled with the CFPB · PDF “Balance Transfer: 3% of the transaction, with a minimum of $5.” |
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF “Foreign Transaction: 2.7% of the converted U.S. dollar amount.” |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Disney Streaming Credit: $10 monthly
- Car rental loss and damage insurance is available as secondary coverage when the Eligible Card is used to reserve and pay for the entire rental and the collision damage waiver is declined; coverage is unavailable for vehicles rented in Australia, Italy, and New Zealand and does not include liability coverage.
- Global Assist Hotline is available 24/7 when traveling more than 100 miles from home for emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance; third-party provider costs are the Card Member's responsibility.
- Card Members can access Amex Presale Tickets and Amex Reserved Tickets for select events, with additional perks at select events, while supplies last.
- Reward Dollars may be used at checkout for eligible purchases at Amazon.com.
- Card Members may receive Amex Offers for extra rewards on qualifying purchases at select brands.
- Rental car
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
- Return protection: Up to $300 per item, up to a maximum of $1,000 per calendar year per Card account
- Extended warranty: Up to the actual amount charged to the Eligible Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year
- Emergency assistance
Questions
- What is the annual fee?
- $95 Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 2.7% of each transaction after conversion to US dollars.. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other cash back cards with fees up to $100
- The One Key+ Card MastercardWells Fargo · $99 a year+$80 a year
- Credit One Bank WanderCredit One · $95 a year−$40 a year
- SavorOne RewardsCapital One · $39 a year−$80 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).