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.

Blue Cash Preferred Card from American Express at a glance

Rewards & perks

• 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

Who should apply

• Credit in the good-to-excellent range

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official American Express site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.