Blue Cash Preferred® Card from American Express

Fees:

  • $0 intro annual fee for the first year, then $95.

APR:

  • 0% intro APR on purchases and balance transfers for 12 months from account opening.
  • Variable APR of 18.24% to 29.24% after the intro period.

Offer:

  • Earn up to $300 back after spending $3,000 in purchases within the first 6 months of Card Membership (cash back received as a statement credit).
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  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases and 6% back on select U.S. streaming subscriptions.

  • 3% cash back on transit (including taxis, rideshare, tolls, trains, buses, and more) and at U.S. gas stations.

  • Unique benefits such as the Disney Bundle Credit, allowing $7 back monthly on eligible subscriptions, and flexible payment options like “Plan It®.”
Features
  • 6% cash back on U.S. supermarkets (up to $6,000 per year) and on select streaming subscriptions.
  • 3% cash back on transit and gas stations.
  • 1% cash back on all other purchases.
  • Use cash back as a statement credit or at checkout on Amazon.com.
  • Access features like “Plan It®” to split large purchases into installments with a fixed fee.
  • $84 Disney Bundle Credit ($7 monthly statement credit for eligible subscriptions).
  • Amex Offers for extra rewards on qualifying purchases.
Details

The Blue Cash Preferred® Card from American Express is ideal for families and individuals who spend heavily on groceries and streaming subscriptions, offering an unmatched 6% cash back in these categories (up to $6,000 annually for groceries). Additionally, cardholders enjoy 3% back on transit and gas station purchases and 1% back on all other spending. A welcome offer of up to $300 and a 0% intro APR for 12 months on purchases and balance transfers make this card even more appealing. With tools like “Plan It®” for installment payments and the Disney Bundle Credit, this card is packed with benefits, though it carries an annual fee after the first year.

Pros
  • High 6% cash back rate on groceries and streaming services.
  • 3% cash back on transit and gas stations.
  • Flexible redemption options, including Amazon checkout.
  • 0% intro APR for purchases and balance transfers for 12 months.
  • Generous $300 welcome offer.
Cons
  • $95 annual fee after the first year.
  • 6% cash back at supermarkets capped at $6,000 annually.
  • Limited 6% and 3% cash back categories to specific spending areas.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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