American Express · Amex
Blue Cash Preferred
Annual Fee
$95
up to $120/yr in credits if you use them
Sign-Up Bonus
$300
Current offer shown; issuer determines eligibility.
Spend $3,000 in 6mo
Terms apply.
Base Rate
1x
on everything
Best For
Suburban households spending $500+/mo on groceries
Sign-Up Bonus
Bonus: 300 cashback
Requirement: Spend $3,000 in 6 months
Estimated value: $300Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
US supermarkets
Cap: $6,000/yr
Select streaming
Transit & rideshare
US gas stations
Key Benefits
Credits — if you use them
Up to $10/mo toward Disney+, Hulu, or ESPN+ (enrollment required)
Perks (not counted in our math)
Pros & Cons
Pros
- + 6% on groceries (up to $6k)
- + 6% on streaming services
- + Solid gas and transit rates
- + Cash back is simple
Cons
- - $95 annual fee
- - Grocery cap at $6,000/year
- - Amex acceptance issues
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.