Earn rates, as stated
6%U.S. supermarkets (groceries)Issuer wording: 6% cash back on up to $6,000 in purchases per calendar year, then 1%
6%Select U.S. streaming subscriptionsIssuer wording: 6% cash back
3%U.S. gas stationsIssuer wording: 3% cash back
3%Transit (taxis/rideshare, parking, tolls, trains, buses, etc.)Issuer wording: 3% cash back
1%Other purchasesIssuer wording: 1% cash back
Credits, as stated
$120 / yr if fully usedDisney Streaming CreditUp to $120 back annually (up to $10 back monthly)monthly, up to $10; up to $120/year
Welcome offer, as stated by the issuer
Earn $250 back in the form of a statement credit after you spend $3,000 in purchases on the Card in your first 6 months (as stated on Amex's Blue Cash Preferred vs. Blue Cash Everyday comparison page, americanexpress.com/en-us/credit-cards/credit-intel/blue-cash-preferred-vs-blue-cash-everyday/). Could not confirm this is the current live offer shown on the primary product page — see verifyNotes.as of 2026-08-29
- Annual fee has an intro-then-standard structure: $0 introductory annual fee for the first year, then $95 ongoing. Confirmed on both the official Blue Cash Preferred cardmember agreement PDF (dated 2025-10-08) and the americanexpress.com credit-intel comparison page. The annualFee field above (95) represents the STANDARD ongoing fee, not the first-year $0 intro fee.
- Welcome offer could NOT be confirmed from the primary marketing/product page (https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/) because that page is heavily JavaScript-rendered and WebFetch returned only truncated header/nav content (no offer section reached) on two separate fetch attempts today. The $250-back-after-$3,000-in-6-months figure instead comes from a secondary americanexpress.com page (the Blue Cash Preferred vs. Blue Cash Everyday credit-intel comparison article), fetched today. Amex welcome offers are commonly personalized and vary by applicant/eligibility, so this figure may not reflect what an individual applicant is shown on the live offer page — treat as directional, not guaranteed, until re-verified against the primary product page.
- APR (purchase/cash advance interest rates) could not be reliably extracted — the fetched cardmember agreement PDF's rate table was embedded in compressed PDF content that did not render as clean text. APR is not part of the required schema for this file, so it was omitted rather than guessed.
- Other cardholder protections (Return Protection up to $300/item/$1,000 per year, Purchase Protection, Extended Warranty, Car Rental Loss & Damage Insurance, Global Assist Hotline, Amex Experiences) were confirmed on the americanexpress.com benefits page but were excluded from the credits[] array because they carry no fixed statement-credit dollar value/cadence — only the Disney Streaming Credit fits the credits schema.