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Review the benefits of the AMEX Blue Cash Preferred Card, calculate total cash back based on your spend, and compare results against top rewards cards.
The AMEX Blue Cash Preferred Card is one of the best cash back cards on the market. It earns a whopping 6% cash back on all U.S. supermarket/grocery purchases and also features the bonus categories of streaming, U.S. gas stations, and transit purchases. It's no annual fee counterpart, The Blue Cash Everyday, earns a lower rate of 3% cash back on supermarket purchases and is the better option for people who generally spend less than $270 per month on grocery.
The AMEX Blue Cash Preferred has four bonus categories which consist of supermarket, streaming services, gas station, and transit purchases. There is a $6,000 cap on the supermarket category. All of the remaining bonus categories do not have a cap. There is no limit to the overall amount of cash back you can earn with the AMEX Blue Cash Preferred.
6% U.S. Supermarkets
Spend cap of $6,000 per calendar year.
Additional spend after cap has been reached will earn at the non-category rate (1%).
6% U.S. Streaming Services
3% U.S. Gas Station
3% Transit
Includes taxis/rideshare, parking, tolls, trains, buses, and more.
1% Non-Category
Perks & Benefits
The AMEX Blue Cash Preferred Card does not feature any perks or benefits that are specific to the card itself. It comes with your basic suite of American Express card benefits.
The standard AMEX Blue Cash Preferred signup bonus is $300 after you spend $1,000 in purchases on your new Card in your first 3 months. This sign up bonus is given back to you in the form of a statement credit.
Fees
Annual Fee
The annual fee for the AMEX Blue Cash Preferred is $95. If you spend less than $270 a month in grocery and don't really run much spend through the streaming category, you will want to look at the no-fee AMEX Blue Cash Everyday Card.
Authorized User Fee
There is no fee to add authorized users to the AMEX Blue Cash Preferred Card. If you have friends or family that spend in the categories on this card, I would recommend adding them as additional users so that you can maximize your cash back earned with American Express.
Foreign Transaction Fee
The foreign transaction fee for the AMEX Blue Cash Preferred is 2.7%. This fee will eat away your rewards and the overall value of the card. Do not use this card for international purchases.
Rewards Calculator
You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
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This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
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Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Loyalty & Memberships
Hotel elite status, loyalty programs, and memberships.
Reward Bonuses
Sign up bonuses, category bonuses, and bonus bonuses.
Monetary Bonuses
Cash perks and bonuses associated with the selected card(s).
Annual Fees
Annual fee and authorized user fee (if applicable) details.
Annual Fee:
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Auth Fee:
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$0
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.
$0
$0
Rakuten Rewards
$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
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