SuperMoney
  Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express

in Personal Credit Cards from American Express National Bank

Claimed

Blue Cash Preferred Card from American Express

Claimed

in Personal Credit Cards from American Express National Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Blue Cash Preferred Card from American Express to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Purchase APR  (Variable APR) 13.99% - 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 700 - 850
Annual Fee $95

Blue Cash Preferred Card from American Express Review

Blue Cash Preferred Card from American Express is a cashback credit card issued by American Express National Bank. If you're wondering whether Blue Cash Preferred Card from American Express is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 6 points per dollar spent.
  • Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of $300 if you spend $1000 within 3 months.
  • Competitive APRs. Blue Cash Preferred Card from American Express has a variable purchase APR that ranges from 13.99% up to 23.99%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
  • Gas rewards. Earn up to 3% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Blue Cash Preferred Card from American Express Pros & Cons
The Good The Bad
  • 0% introductory APR on purchases and balance transfers.
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Blue Cash Preferred Card from American Express reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • High APR after intro period.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a foreign transaction fee of 2.7%.
Blue Cash Preferred Card from American Express FAQ

Is there a Blue Cash Preferred Card from American Express cash back or rewards program?

Blue Cash Preferred Card from American Express is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Blue Cash Preferred Card from American Express you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 6% for purchases in a bonus category.

Blue Cash Preferred Card from American Express Rewards
Rewards rate (all purchases) 1%
Max rewards rate 6%
Annual rewards limit N/A
Signup Bonus ($) $300
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Blue Cash Preferred Card from American Express have a signup bonus?

Yes, Blue Cash Preferred Card from American Express offers card users a signup bonus worth up to $300 after spending $1000.

Does Blue Cash Preferred Card from American Express offer an annual loyalty bonus?

Blue Cash Preferred Card from American Express doesn't offer a cash loyalty bonus.

What are the Blue Cash Preferred Card from American Express benefits?

Blue Cash Preferred Card from American Express provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Blue Cash Preferred Card from American Express?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Blue Cash Preferred Card from American Express has lower than average purchase APRs.

Blue Cash Preferred Card from American Express has a variable purchase APR that ranges from 13.99% up to 23.99%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Blue Cash Preferred Card from American Express have an introductory APR offer on balance transfers?

No, Blue Cash Preferred Card from American Express does not come with an introductory APR offer for balance transfers.

Does Blue Cash Preferred Card from American Express have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

Blue Cash Preferred Card from American Express Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the fees for Blue Cash Preferred Card from American Express?

The following fees apply to Blue Cash Preferred Card from American Express:

  • There is no overlimit fee
Blue Cash Preferred Card from American Express Fees
Fees Amount
Annual Fee $95
Overlimit Fee $0
Foreign Transaction Fee 2.7%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Blue Cash Preferred Card from American Express have a foreign transaction fee?

Blue Cash Preferred Card from American Express charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Blue Cash Preferred Card from American Express report your account activity to credit bureaus?

Blue Cash Preferred Card from American Express reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Blue Cash Preferred Card from American Express

  • Visit the Blue Cash Preferred Card from American Express website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) EARN 6% CASH BACK at US supermarkets, U.S. streaming subscriptions. EARN 3% CASH BACK on transit (taxis, rideshare, tolls, trains, buses, ect) and at U.S. gas stations. EARN 1% CASH BACK on all other purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2.7%
Annual Fee $95
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards Earn $300 back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership.
No Reward Expiration Period  
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
Signup Bonus $300
Rewards Type Points
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 13.99% - 23.99%

Be the first to rate

 

Would you recommend Blue Cash Preferred Card from American Express to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Other Personal Credit Cards

First Progress Platinum Select Mastercard® Secured Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

3 Reviews

American Express National Bank Personal Credit Cards

Loading...