Blue Cash Preferred American Express Review With Pro And Cons – 20 Points

1. Even with its high annual fee, blue cash preferred is favorite card for families. It offers generous rewards at us gas station and highest rewards at us supermarkets.

2. Blue cash preferred is right for you if you do not travel frequently and want flexibility to spend your rewards.

Pros:



Cons:



Good welcome bonus offer

Annual fee

Intro APR period on Purchases and Balance Transfers

$25 minimum redemption

Bonus cash back rewards for groceries, streaming services, gas and transit

Cash back limit and exclusions on bonus categories

3. Annual Fee:

$95

4. Reward Rate:

6% back on US streaming subscriptions
6% back at US supermarkets (up to $6,000 a year)
3% back on transit (parking, tolls, ride-share, subway, etc.)
3% back at US gas stations
1% everywhere else

5. Intro Bonus:

Earn a $250 statement credit after you spend $1,000 on purchases within the first 3 months.

6. Regular Apr:

15.24% – 26.24% Variable APR

7. Intro Apr:

0% on Purchases and Balance Transfers for 12 months

8. Balance Transfer Fee:

3% (min $5)

9. Max Late Fee:

$38

10. Max Penalty Apr:

29.99% (V)

11. Foreign Transaction Fee

2.7%

12. Cash Advance Apr:

27.49% (V)

13. Grace Period:

25 days

14. If you spend more than $132 per month at us super market, rewards will offset annual fee.

15. Customer Experience:

24/7 customer service?:
Yes
Online chat available?:
Yes
Google Play Store mobile app rating:
4.3/5
Apple Store mobile app rating:
4.9/5

16. Blue Cash Preferred American Express is right for you

If you are looking for introductory bonus.
If you spend significant at us supermarkets, gas station, transit and streaming services and want to advantage of generous cash back.
If you want to take advantage of intro apr and balance transfer with great reward rate.
If you do not mind to pay annual fee.
If you are interested in free shoprunner membership.

17. Credit Needed:

Good – Excellent 690 – 850

18. Other Benefits:

Free ShopRunner membership
Pay It Plan It
Extended warranty
Purchase protection
Return protection
Car rental insurance

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