American Express · Amex
Blue Cash Preferred
Suburban households spending $500+/mo on groceries
$95 annual fee up to $120/yr in credits if you use them
Why people consider it
- 6x on Grocery.
- 6x on Streaming.
- 3x on Transit.
Current welcome offer
Welcome offer: +$300
Requirement: Spend $3,000 in 6 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: As high as $300 back after $3,000 spend in 6 months. $0 intro annual fee the first year, then $95.
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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Is this card worth it?
Ongoing value
$824/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,124 first year
Includes: +$300 welcome offer
$300 is one-time. $824/year is ongoing.
To earn the bonus: spend $3,000 in 6 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- $95 annual fee Grocery cap at $6,000/year
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Blue Cash Preferred on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
US supermarkets
Cap: $6,000/yr
Select streaming
Transit & rideshare
US gas stations
Optional benefits and credits
Credits — if you use them
Up to $10/mo toward Disney+, Hulu, or ESPN+ (enrollment required)
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.