⭐ Editor's Choice — Top Rated Pick

Blue Cash Preferred® Card from American Express

📍 Available in: US
★★★★★ 4.9 / 5.0

The Blue Cash Preferred® Card from American Express delivers the highest uncapped streaming rate and highest annual supermarket cash back rate in consumer banking. Cardholders earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), an uncapped 6% cash back on select U.S. streaming subscriptions (Netflix, Disney+, Spotify, Apple TV+, YouTube TV, Max), and 3% cash back at U.S. gas stations and on transit (rideshares, parking, tolls, subways)—plus an $84/year Disney Bundle credit ($7/month statement credit).

Key Facts at a Glance

Cost / Fee Structure$0 intro annual fee for the first year, then $95
APR / Rate19.24% - 29.99% Variable
Sign-Up Bonus / Match$250 Statement Credit (After $3,000 Spend in 6 Months)
Credit / EligibilityGood to Excellent (670+ FICO)

Pros & Cons

✓ Pros

  • ✓Maxing out the $6,000 U.S. supermarket cap yields $360/year—netting $265 after the $95 Year-2 fee before counting 6% streaming or the $84 Disney Bundle credit
  • ✓Covers live TV streaming bundles (like YouTube TV and Hulu + Live TV) at the full 6% cash back rate
  • ✓$0 intro annual fee in Year 1 makes testing the card completely risk-free

✕ Cons

  • ✕Warehouse clubs (Costco, Sam’s Club) and superstores (Walmart, Target) are excluded from the 6% U.S. supermarket category
  • ✕Charges a 2.7% foreign transaction fee outside the United States

Key Features

6% Cash Back at U.S. Supermarkets on Up to $6,000/Year ($360 Max Cash Back)Uncapped 6% Cash Back on 30+ Select U.S. Streaming Subscriptions3% Cash Back at U.S. Gas Stations & on Transit (Uber/Lyft, Parking, Tolls, Trains)$84 Annual Disney Bundle Statement Credit ($7/Month on Eligible Subscriptions)$0 Intro Annual Fee for Year 1 (Then $95) + 0% Intro APR for 12 Months

The $95 Annual Fee Break-Even Math: Blue Cash Preferred vs. No-Fee 3% Grocery Cards

Many shoppers ask whether paying a $95 annual fee (starting in Year 2) beats a $0-fee 3% grocery card (such as the Blue Cash Everyday® or Capital One Savor).

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Exact Break-Even Threshold

- The extra 3% boost (6% vs. 3%) equals $95 once you spend $3,167 per year (~$61/week) across U.S. supermarkets and select streaming subscriptions. - If your household spends $500/month ($6,000/year) at supermarkets plus $100/month ($1,200/year) on streaming/YouTube TV: - Gross Cash Back: $360 (groceries) + $72 (streaming) = $432/year - Less $95 Annual Fee: $337 net cash back (versus $216 on a 3% card—a +$121/year net advantage, or +$205/year if you use the $84 Disney Bundle credit).

Ready to Get Started?

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