Blue Cash Preferred Card: 6% Cashback & Rewards
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If you’re looking for a credit card that provides top-tier cashback rewards on your everyday expenses, the Blue Cash Preferred Card from American Express may be exactly what you need. Whether you’re a frequent grocery shopper, an avid streamer, or someone who spends a lot on gas and transit, this card has a comprehensive rewards system that helps you earn while spending in the most common categories. With the Blue Cash Preferred Card, every purchase becomes an opportunity to earn valuable cashback that adds up quickly.
In this extensive guide, we’ll explore the Blue Cash Preferred Card benefits, its rewards structure, and how you can apply for the card to start enjoying the fantastic perks it offers.
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Why Choose the Blue Cash Preferred Card from American Express?
The Blue Cash Preferred Card is perfect for individuals and families who frequently spend on groceries, streaming, transit, and gas. The card rewards you for purchases in these areas with impressive cashback percentages. By offering 6% cashback on U.S. supermarket purchases (up to $6,000 per year), 6% on select streaming services, and 3% on gas and transit, this card stands out as an excellent option for maximizing everyday spending.
Additionally, it provides a generous sign-up bonus and doesn’t charge foreign transaction fees, making it a practical choice for both local and international purchases. The Blue Cash Preferred Card is designed to reward all types of spending, whether at home, on the go, or abroad.
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Key Features and Benefits of the Blue Cash Preferred Card
1. 6% Cashback on Groceries (Up to $6,000 per Year)
The Blue Cash Preferred Card offers one of the best cashback rates available for grocery purchases at U.S. supermarkets. You’ll earn 6% cashback on up to $6,000 in yearly grocery purchases, covering everything from fresh produce to packaged goods. Once you hit the $6,000 cap, you’ll still earn 1% cashback on additional purchases. This feature makes it ideal for families and individuals who do most of their shopping at grocery stores.
2. 6% Cashback on Select Streaming Subscriptions
The Blue Cash Preferred Card rewards you with 6% cashback on select U.S. streaming subscriptions, including platforms like Netflix, Hulu, and Disney+. As streaming becomes a central part of everyday entertainment, this benefit makes the card even more attractive to those who spend on entertainment services.
3. 3% Cashback on Gas and Transit
For drivers and commuters, the Blue Cash Preferred Card offers 3% cashback on purchases at U.S. gas stations and on transit. This includes taxis, rideshare services like Uber, tolls, trains, buses, and parking fees. This feature is particularly useful for people who rely on vehicles or public transport to get around.
4. 1% Cashback on Other Purchases
On all purchases outside of the main categories, the Blue Cash Preferred Card offers 1% cashback. This is ideal for smaller purchases such as clothing, electronics, or online shopping. Even though the cashback rate is lower for these categories, you’ll still earn rewards on every dollar spent.
5. 0% Intro APR on Purchases and Balance Transfers
One of the standout features of the Blue Cash Preferred Card is the 0% introductory APR on purchases and balance transfers for the first 12 months from the date of account opening. After this period, the standard variable APR applies. This makes the card an excellent option for those looking to make big purchases or transfer existing balances from higher-interest cards without paying interest during the introductory period.
6. No Foreign Transaction Fees
For international travelers, the Blue Cash Preferred Card comes with no foreign transaction fees, which means you can use the card abroad without worrying about additional charges. Whether you’re traveling for leisure or business, this is a fantastic feature that sets the card apart from other options that charge foreign transaction fees.
7. Exclusive Access to Events
Cardholders get exclusive access to presales and ticket availability for events worldwide. From concerts to sports events to Broadway shows, the Blue Cash Preferred Card provides an opportunity to secure tickets before they sell out, ensuring you never miss out on your favorite entertainment experiences.
8. Rental Car Protection for Loss and Damage
When you rent a car using the Blue Cash Preferred Card, you’re covered with secondary car rental loss and damage insurance. This coverage protects you from vehicle loss or damage, ensuring a worry-free experience on your journey. It’s a valuable addition for those who frequently rent cars while traveling.
9. Global Assist Hotline
If you’re traveling more than 100 miles from home, the Global Assist Hotline provides 24/7 emergency assistance and coordination services. It offers assistance with medical and legal guidance, emergency cash transfers, and missing luggage assistance, making it an invaluable service when you’re on the road or abroad.
10. Plan It Feature
The Plan It feature enables you to break down purchases over $100 into manageable monthly payments for a fixed fee. This option helps you avoid the pressure of paying off large purchases all at once while still earning cashback. Plus, you’ll continue to earn rewards on purchases made with Plan It.
Fees and Costs of this financial tool
While the Blue Cash Preferred Card offers incredible rewards, it’s essential to be aware of the associated costs:
- Annual Fee: $95 (This is waived for the first year.)
- APR: 0% intro APR for the first 12 months; after that, 20.24% – 29.24% variable APR.
- Late Payment Fee: Up to $40.
- Balance Transfer Fee: Applies if you transfer a balance from another card.
- Foreign Transaction Fee: None (Perfect for international purchases).
