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Everyday spending can add up quickly. When you make a few trips to the supermarket, fill up the gas tank, take an Uber ride out to dinner, and then add on the cost of your Netflix subscription, you’ll easily have spent hundreds of dollars in purchases.
We’re all about earning rewards, especially on purchases you make daily. Earning rewards on these purchases can add significant extra cash-back to your household. One way to ensure you receive all the rewards you deserve is to select a credit card that earns the highest rewards on your most significant expenses.
If your highest expense categories are those everyday purchases, you may find that the Blue Cash Preferred^® Card from American Express could add value to your daily life.
Let’s discuss how easy it is to earn rewards with the Amex Blue Cash Preferred card, explore its redemptions, and review the travel and shopping benefits and protections. We’ll also look at the estimated value of each card benefit to help you determine how much the card could be worth to you.
Amex Blue Cash Preferred Card Benefits
UP’s Valuation*
Earn Cash-Back
$952
Redeeming Your Rewards
Redeem rewards for a statement credit or at Amazon.com
Value varies
Travel Benefits and Protections
$225
Shopping Benefits and Protections
$425
Total Value
$1,602
Annual Fee

*The bonus value of the welcome offer and the value of benefits are estimated valuations calculated by UP after analyzing redemption options, transfer partners, award availability, and how much UP would pay to buy these points. Also, some of the benefits mentioned above may require enrollment.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
If you're approved and accept this Card, your credit score may be impacted.
The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.
With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Redeem cash-back through your American Express account
With the Amex Blue Cash Preferred card, you earn cash-back in Reward Dollars on every purchase. Thanks to its bonus categories, including U.S. supermarkets, U.S. gas stations, and U.S. streaming services, the card is one of the best for covering monthly bills.
Jump-start your earnings with the welcome bonus shown below:
After meeting minimum spending requirements, you receive the rewards as a statement credit.
Earn up to $360 in cash-back each year when you spend at U.S. supermarkets. You earn 6% cash-back on up to $6,000 in purchases each card anniversary year. After that, supermarket purchases earn only 1% cash-back.
Note that warehouse clubs and big-box stores, such as Walmart and Target, are not considered supermarkets.
For every $1 you spend on U.S. streaming services, you receive 6 cents in cash-back. Examples of streaming services that offer this 6% cash back include Netflix, Disney+, Hulu, Paramount+, Pandora, Spotify, Prime Video, and many more.
There is no limit on the 6% cash-back earnings for streaming services. If you spend $150 monthly, you receive $108 in cash-back each year.
Spend a lot at gas stations and transit? You earn unlimited 3% cash back on every $1 you spend. Transit includes ride-sharing services (like Uber and Lyft), buses, subway transport, parking, tolls, and much more.
If you spent $2,400 annually in this category, you’d receive $72 cash-back.
Every purchase you make that doesn’t fall into one of the bonus earning categories earns 1% cash-back.
The Amex Blue Cash Preferred card charges a foreign transaction fee of 2.7% (rates & fees) on transactions converted to U.S. dollars, so it may not be the best card for frequent travelers.
In addition to the other benefits, the Amex Blue Cash Preferred card offers some exciting statement credits on entertainment.
Specifically, you receive up to $10 back per month (up to $120 annually) as a statement credit when you use your card to purchase a subscription, or bundle subscription, on DisneyPlus.com, Hulu.com, or Plus.espn.com. No minimum purchase is required (subject to automatic renewal).
The Amex Blue Cash Preferred card earns up to 6% cash-back on everyday purchases, including U.S. supermarkets, streaming services, gas stations, and transit.
Reward Dollars earned on the Amex Blue Cash Preferred card offer several redemption options.
We won’t assign additional values in this section, as we’ve accounted for the value of earning cash-back in the previous section.
Simplicity also rules when it comes time to redeem your Amex Blue Cash Preferred card Reward Dollars. The cash-back you’ve earned can be used as a statement credit toward purchases — this couldn’t be a more straightforward redemption.
Better yet, there’s no minimum redemption amount required.
You can redeem your Reward Dollars for merchandise and gift cards, or even use them at Amazon.com checkout. But always compare prices elsewhere.
For example, when purchasing merchandise, check other retailers to ensure the price is a good deal. You can always redeem your Reward Dollars for cash and buy the item where you found the best deal.
You’ll find a nice collection of travel perks and protections on the Amex Blue Cash Preferred card. Here are some of the core travel benefits you can expect.
If you book your prepaid hotel with AmexTravel.com using your eligible card and find the same room advertised online for less, you could receive the price difference (restrictions apply).
Cardholders receive Hertz car rental benefits, including discounted pricing, waived additional-driver fees, and a 1 car class upgrade for rentals of 5 days or more.
Use your eligible card and code 705500 when booking.
Use your card to reserve and pay for your rental car, decline the agency’s collision damage waiver coverage, and receive secondary rental car coverage for damage, theft, and loss of use. Rentals of 30 days or less are covered, up to a maximum of $50,000 per rental agreement.
Secondary coverage means a claim must be filed with any other applicable insurance company before card coverage applies.
CDW/LDW coverage can be expensive. If you rented just 7 days each year, at $20 per day, you’d save $140.
Amex Blue Cash Preferred card members can purchase Premium Car Rental Protection for a flat rate of $12.95 to $24.95 per rental period, up to 42 consecutive days.
Premium Car Rental Protection is primary car rental insurance, offering up to $100,000 in benefits. You do not have to file a claim with other insurance to receive this coverage.
Receive help planning your trip or assistance services 24/7 when traveling more than 100 miles from home.
Get help any time of the day or night with services that include legal and medical referrals, translation services, help to replace a lost passport, making emergency arrangements, and much more. Referral services are complimentary, but cardholders are responsible for the actual cost of the services.
Using your Amex Blue Cash Preferred card for shopping can save you a significant amount of money and provide protection for eligible items. Here are some of the benefits you receive when shopping with your card:
The Amex Blue Cash Preferred card is currently offering:
Depending on the dollar amount of your purchases, you may be able to save significantly on interest charges.
Log in to your online card account and select from up to 100 Amex Offers offered by select merchants and service providers. Once enrolled to your card, you can save hundreds (even thousands) of dollars per year on specific purchases.
It can be frustrating when a new item you’ve purchased gets damaged or stolen. If you purchase an eligible item with your Amex Blue Cash Preferred card, you have coverage for damage or theft for 90 days from the purchase date. Benefit amounts are $1,000 per item, up to a maximum of $50,000 per eligible card.
Purchase an item with your eligible card and if, within 90 days of purchase, the merchant does not accept the return, you may receive up to $300 per item, up to a maximum of $1,000 per calendar year per account.
Eligible items purchased with your card with manufacturer’s warranties of 5 years or less are extended by 1 year. Benefit amounts are $10,000 per item, up to a maximum of $50,000 per account.
Cardholders can access presale ticket availability before the general public for members-only, exclusive events and priority event seating.
For eligible items and services purchased with the Amex Blue Cash Preferred card, the card offers travel assistance benefits, car rental coverage, money-saving shopping benefits, and various protections.
You can earn more cash-back faster by adding additional cardholders at no charge (rates & fees).
If you are considering the Amex Blue Cash Preferred card because of its earnings on everyday purchases, you may find the American Express^® Gold Card a viable alternative. The card earns especially well on restaurants worldwide and U.S. supermarkets.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
If you're approved and accept this Card, your credit score may be impacted.
The American Express^® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
American Express Membership Rewards
Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary and you may not be eligible for an offer.

Earning cash-back rewards on the Amex Blue Cash Preferred card is simple. Still, if you’re a traveler who enjoys earning elevated rewards on everyday spending and travel purchases, the Amex Gold card could offer better value.
The Amex Gold card also earns flexible Membership Rewards points that can be transferred to American Express transfer partners for greater potential value. Membership Rewards points can also be redeemed via AmexTravel.com.
Can’t decide which card might be a better fit for you? Check out our comparison of the Amex Blue Cash Preferred and the Amex Gold card.
If you spent $6,000 a year at U.S. supermarkets, you’d more than maximize the value of having the Amex Blue Cash Preferred card. The additional Reward Dollars you earn at U.S. gas stations, streaming services, and transit would add even more value.
The card does have an annual fee, so you need to make eligible bonus category purchases to offset that cost or the card may not be worth it. It would take $1,584 in 6% cash-back purchases to offset the current annual fee.
While the card pairs well with those who want to earn rewards on everyday spending, it falls short for frequent travelers. If you travel frequently, the foreign transaction fees, limited bonus earnings on general travel purchases, and lack of flexible travel transfer or redemption options may make this card a less suitable choice for you.
However, the Amex Blue Cash Preferred card could make an appropriate companion card to a travel rewards credit card.
Frequent travelers may want to check out our recommendations for the best travel rewards cards.
If you are an active-duty U.S. military member, find out more about additional Amex Blue Cash Preferred military benefits you can receive.
For the car rental loss and damage insurance benefit of the Blue Cash Preferred^® Card from American Express, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the global assist hotline benefit of the Blue Cash Preferred^® Card from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
For the purchase protection benefit of the Blue Cash Preferred^® Card from American Express, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the return protection benefit of the Blue Cash Preferred^® Card from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express^® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
For the extended warranty benefit of the Blue Cash Preferred^® Card from American Express, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
If you spend more than $1,584 at supermarkets and on streaming services each year, the Amex Blue Cash Preferred card is worth it. This is because the card charges an annual fee and you need to spend that much on the card in 6% cash-back bonus categories to offset the current annual fee.
If you spent the maximum $6,000 at U.S. supermarkets, you’d earn $360 in Reward Dollars. Additionally, the card earns an unlimited 6% on select U.S. streaming services and 3% on transit and at U.S. gas stations.
Cash-back is earned on the card in the form of Reward Dollars. You can redeem them for cash-back statement credits — with no redemption minimum required.
You can also redeem your Reward Dollars for gift cards or merchandise.
The Amex Blue Cash Preferred card does not earn Membership Rewards points. The card earns cash-back in the form of Reward Dollars.
You need to have at least a good credit score to be approved for the Amex Blue Cash Preferred card.
For rates and fees of the Blue Cash Preferred^® Card from American Express, click here.
For rates and fees of the American Express^® Gold Card, click here.
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Christine ran her own business developing and managing insurance and financial services offices. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
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