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American Express Blue Cash Preferred: Worth $95 in 2023?

Best For

Those that spend around$500/month on groceries, pay for the Disney Bundle and have moderate spend on streaming services.

Sign Up Bonus

Public Offer: Receive a $250 statement credit after spending $3,000 in 6 months

Referral/Incognito Offer: Receive a $300 statement credit after spending $3,000 in 6 months

Annual Fee: $0 for the first year, then $95

Credits: $7/month if you spend $13.99 or more on the Disney Bundle (Disney+, Hulu, ESPN+)

$10/month on Equinox+


6% back on groceries, up to $6,000 a year, then 1% thereafter. NOTE: Costco/Sam's Club are considered wholesale clubs, not grocery stores

6% back on streaming

3% back on transit- taxis/Uber/Lyft, taxis, trains, buses and more

3% back on gas

1% back on everything else

Link to common AMEX categories

Other Pros

AMEX offers

Great Protections for spend

Who is this Card For?

  • Those that spends around $500/month on groceries, currently pays for the Disney bundle and values cash back.

  • Those who drive a normal amount and use Uber/Lyft once in a while

  • If you do not already have a grocery store credit card, this card would be a great addition to your wallet, especially with the $0 annual fee for the first year.

  • If you max the $6,000 grocery spend, you will receive $360 in cash back, not bad for a $0 annual fee card for the first year

Card Competitors

Citi Custom Cash

  • $0 Annual Fee

  • 5% on category of your choice

  • this card may be a better card solely for grocery spend

  • Great welcome offer!

American Express Gold

  • $250 Annual Fee

  • 4X on US Supermarkets

  • If you value 4X MR points higher than cash back or spend a lot more than $6,000/year on groceries and value simplicity, this may be a better option

American Express Blue Cash Everyday

  • $0 Annual Fee

  • 3% back on US Supermarkets

  • If you despise annual fees, this may be a better option, and it still comes with the same Disney bundle credit

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