Cash Back Calculator: American Express Blue Cash Preferred

The American Express Blue Cash Preferred Card is one of the best cash back cards on the market. Calculate rewards and compare side by side top cards.

One of the best cash back credit cards on the market is The Blue Cash Preferred® Card from American Express. It earns an incredible 6% cash back on the first $6,000 in purchases spend on U.S. supermarket purchases during the calendar year which makes it great for anyone that spends around $500 per month in the category. The Blue Cash Preferred Card also earns bonus cash back on several other top categories such as popular streaming services, U.S. gas stations, and transit purchases.

Use the American Express Blue Cash Preferred Card cash back calculator to calculate the cash value of the card based on your spend, the cash value of card benefits, and the annual fee. You can then compare the results side by side hundreds of credit cards featured on the website.

Quick Details
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Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The American Express Blue Cash Preferred Card has four categories that earn bonus cash back. Those categories are U.S. supermarket, popular U.S. streaming services, U.S. gas station, and transit. The U.S. supermarket category has a spend cap of $6,000 per year in which you will earn 1% back for the remainder of the year once the cap is hit. There is no cap on the other bonus categories and no cap on how much cash back you can earn with the card overall.

  • 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%) for the remainder of the calendar year.
  • 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 American Express Blue Cash Preferred features your standard American Express benefits.

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.

Rewards Calculator

Credit Card

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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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
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SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
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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.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Return:
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FAQ

Is the AMEX Blue Cash Preferred worth it?

The card is worth it if you spend around $500 per month at U.S. supermarkets. Other card benefits such as AMEX Offers also adds additional value to the card which makes it worth picking up.

Should I get the Blue Cash Preferred or Blue Cash Everyday?

Looking at U.S. supermarket spend alone, the Blue Cash Preferred Card is the better option if you spend more than $270 per month at U.S. supermarkets. If you spend less than that, you'll want to go with the no-annual fee Blue Cash Everyday Card.

Is the AMEX Blue Cash Preferred the best credit card for supermarket purchases?

Yes. It is one of the best (if not the best) for U.S. supermarket spending. You can use the Best Credit Cards For Grocery Purchases calculator to find out which card is best for you based on spend.

Updated 2021-03-31 By Robert Flowers III

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