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  Blue Cash Preferred Card from American Express

Blue Cash Preferred Card from American Express

in Personal Credit Cards from American Express National Bank

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Blue Cash Preferred Card from American Express

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 14.74% - 25.74%
Credit Score Range 700 - 850
Annual Fee $95
Purchase APR  (Variable APR) 14.74% - 25.74%
Rewards Rates
  • 1% on Every Purchase
  • 3% on Gas
  • 6% on Groceries

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.

  • Generous reward rate. You can get a rewards rate of up to 6%.
  • Up to 1% on every day purchases.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of $250 if you spend $1000.
  • Competitive APRs. Blue Cash Preferred Card from American Express has a variable purchase APR of up to 25.74%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $95 for the privilege.
  • 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 rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • 0% introductory APR on purchases and balance transfers.
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Blue Cash Preferred Card from American Express reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • High APR after intro period.
  • Requires good to excellent credit.
  • Charges an annual fee of $95.
  • Charges a foreign transaction fee of 2.7%.

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 ($) $250
Signup Bonus Spend Requirement $1000

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 $250 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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • 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 14.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 25.74%. It also has a variable cash advance APR starting at 26.99% . Note that late payments are subject to an APR of 29.99% 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??

Yes, Blue Cash Preferred Card from American Express offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Blue Cash Preferred Card from American Express Balance Transfers
Description
Balance Transfer APR 14.74% - 25.74%
Introductory Rate 0%
Intro APR period (months) 12

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.

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

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%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $39
Late Payment Fee $39

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 score.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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.
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 2.7%
Annual Fee $95
Returned Payment Fee $39
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount $39
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
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Card Network
  • American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
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
Bonus Rewards $250 sign up bonus after spending $1000 in 3 months.
No Reward Expiration Period  
Rewards Rates
  • 1% on Every Purchase
  • 3% on Gas
  • 6% on Groceries
Signup Bonus $250
Cash Advance APR (Variable APR) Starting at 26.99%
Purchase APR (Variable APR) 14.74% - 25.74%
Introductory Rate 0%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.99%
Intro APR period 12
Balance Transfer APR (Variable APR) 14.74% - 25.74%
Introductory Rate 0%
Intro APR period 12

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