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Blue Cash Preferred Card from American Express
For grocery-heavy households this beats most flat-rate cards, paying 6% at U.S. supermarkets on up to $6,000 a year, plus 6% on select streaming and 3% on transit and gas. Max the grocery cap and that's $360 back before other categories. The catch: it's a $95 fee (as of 2026, sometimes intro $0), so a light grocery shopper does better with a no-fee 2% card. Supermarket spend drops to 1% past the cap, and warehouse clubs usually don't count. Check terms on americanexpress.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓6% back on groceries, among the highest anywhere
- ✓Bonus rates on streaming and gas
- ✓Stretch of 0% intro APR
👍 Pros
- + Leading rewards on grocery spending
- + Pays well across everyday categories
👎 Cons
- – $95 annual fee
- – Charges a fee on foreign purchases
- – 6% grocery rate stops after $6k a year
Can you get it?
- ▸Credit in the good-to-excellent range
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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