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High grocery, streaming and transit rewards for U.S. families
6% Cash Back at U.S. Supermarkets
Earn 6% back on up to $6,000 per year in U.S. supermarket purchases, then 1% afterward on additional spending.
6% Back on Select U.S. Streaming Services
Get 6% cash back on eligible U.S. streaming subscriptions, including many major music and video platforms, terms apply.
3% Back on Transit and U.S. Gas Stations
Earn 3% at U.S. gas stations and on transit like rideshares, parking, tolls, trains, and buses every day.
Intro Savings and Strong Everyday Perks
Enjoy $0 intro annual fee first year plus 0% intro APR on purchases and balance transfers for 12 months.
Big Cash Back Where U.S. Families Actually Spend
The Blue Cash Preferred® Card from American Express is built for U.S. households that spend heavily on groceries, streaming, gas and commuting. Instead of a flat rate on everything, it focuses on boosting the categories many families hit every week. You earn 6% cash back at U.S. supermarkets on up to $6,000 in eligible purchases per calendar year, then 1% after that cap. U.S. supermarkets generally exclude warehouse clubs and big-box superstores, which is important if you shop at places like Costco or Walmart.
The card also gives you 6% cash back on select U.S. streaming subscriptions, which can cover many of the most popular services. If your household subscribes to several platforms for movies, shows and music, this category can add meaningful bonus cash back on bills you already pay every month. On top of that, you earn 3% cash back at U.S. gas stations and 3% on transit, including rideshares, parking, tolls, trains and buses. Everything else earns 1% cash back. Rewards come as Reward Dollars that you can redeem as a statement credit or when checking out at Amazon.com, giving you simple, practical ways to use your cash back.
As of 2025, the welcome offer typically provides a $250 statement credit after you spend $3,000 on eligible purchases in the first six months of card membership. That’s a relatively long window to reach the spending requirement, especially if you route groceries, streaming and gas through the card. The annual fee is $0 for the first year, then $95 in subsequent years, so you should run the math on whether your ongoing grocery, streaming and transit spending justifies that fee after year one.
Financing features are another part of the package. The Blue Cash Preferred currently offers a 0% intro APR on purchases and balance transfers for 12 months from account opening, followed by a variable APR that generally falls in the high-teens to high-20s, depending on your credit profile. A balance transfer fee applies, and transfers must be requested within a limited time to qualify for the intro rate. Used carefully, this can help you pay down higher-interest debt or spread the cost of a large purchase, but the goal should be to clear the balance before the intro period ends.
Beyond rewards, the card includes a range of American Express benefits, such as purchase protection, extended warranty and car rental loss and damage insurance, plus access to Amex Offers for targeted statement credits at select merchants. These perks can quietly add value over the year, especially if you rent cars, buy electronics or regularly shop with Amex’s featured partners.
Make Your Everyday Budget Work Harder
If your monthly budget revolves around groceries, streaming and commuting, the Blue Cash Preferred® Card from American Express can turn those routine expenses into meaningful cash back. The 6% cash back at U.S. supermarkets—on up to $6,000 in purchases per year—can often justify the annual fee by itself for families that cook at home frequently. Layer in 6% on select U.S. streaming subscriptions and 3% on gas and transit, and the card aligns closely with the way many U.S. households actually spend.
The first year is especially attractive. You get a $0 intro annual fee and, in many currently available offers, a $250 statement credit after spending $3,000 in six months. If you use the card for your regular supermarket runs, streaming subscriptions and fuel, it’s usually straightforward to reach that threshold without stretching your budget. Combine the welcome bonus with the elevated categories and you can generate a strong first-year return, even before considering the intro APR.
The 0% intro APR on purchases and balance transfers for 12 months gives you flexibility, but it’s not a reason to overspend. The smartest approach is to plan how you’ll use the promotional period—maybe consolidating higher-interest credit card balances or financing a specific big-ticket purchase—and then create a clear payoff strategy before the regular APR kicks in. Once the intro window ends, the variable APR rises into a range that makes carrying a balance expensive.
Beyond pure numbers, the card’s benefits can save you money and hassle over time. Purchase protection and extended warranty can be valuable when you buy electronics or appliances, and car rental loss and damage insurance can reduce the need to purchase costly coverage at the rental counter. Amex Offers can also deliver targeted discounts and statement credits from popular brands, adding incremental value just for checking your account and enrolling in relevant deals.
The Blue Cash Preferred® Card is not perfect. If you rarely shop at U.S. supermarkets, don’t subscribe to many streaming services or prefer simple flat-rate rewards, another card might fit better. And if you travel abroad often, the 2.7% foreign transaction fee is a clear drawback. But for many U.S.-based families and commuters, this card can be a powerful “everyday engine” in a cashback strategy.
If you like the idea of concentrating your spending in high-value categories and are comfortable managing an annual fee after the first year, the next step is simple: review the current offer and rates on the official American Express page, make sure the spending requirement and categories match your habits, and submit your application online when you’re ready. Used thoughtfully, the Blue Cash Preferred® Card can help your regular budget deliver outsized rewards year after year.