Blue Cash Preferred Credit Card – How to Apply Today

The Blue Cash Preferred® Credit Card from American Express is a top pick for everyday spending, especially if you spend a lot on groceries and streaming. 

High cashback rates and simple redemption offer strong value for families and commuters. 

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This guide shows you exactly how to apply—step by step.

Why Choose the Blue Cash Preferred Card?

If you're looking for a credit card that rewards your everyday spending, the Blue Cash Preferred® Card is a good choice. 

It offers some of the highest cashback rates on categories like groceries and streaming, making it a strong option for households and regular commuters.

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  • 6% on U.S. Supermarkets: Earn 6% cash back on up to $6,000 in yearly purchases, then 1% after that.
  • 6% on Select U.S. Streaming Services: Applies to popular platforms like Netflix, Hulu, and Disney+.
  • 3% on Transit and U.S. Gas Stations: Includes ride-shares, buses, tolls, parking, and gas.
  • 1% on All Other Purchases: Simple, consistent rewards on everything else.
  • Welcome Offer: Earn a generous bonus after spending a set amount in the first few months.
  • Intro APR Period: Benefit from a 0% intro APR on purchases and balance transfers for a limited time.
  • Built-in Amex Benefits: Includes purchase protection, return protection, and access to Amex Offers.

Who’s Eligible?

Knowing the eligibility rules can help you increase your chances of approval for the Blue Cash Preferred® Card.

This card is designed for individuals with solid financial standing and a good credit history.

  • Age and Residency: Must be at least 18 years old and a U.S. resident with a valid U.S. home address, including U.S. territories and Puerto Rico.
  • Credit Score: A good to excellent credit score is typically required, generally defined as a FICO score of 690 or higher.
  • Income: A steady income source is necessary to demonstrate the ability to manage credit responsibly.
  • Social Security Number: A valid Social Security Number (SSN) is required for identity verification.
  • Credit History: A history of on-time payments and responsible credit usage can positively impact your application.

How to Apply — Step by Step

Applying for the Blue Cash Preferred® Card is simple and can be done online in just a few minutes. Here's exactly what you need to do:

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  1. Go to the American Express Website: Visit the official page for the Blue Cash Preferred® Card.
  2. Click “Apply Now”: You’ll be redirected to the application form.
  3. Enter Your Personal Information: Fill in your name, date of birth, Social Security Number, and contact details.
  4. Add Your Financial Details: Provide your employment status, annual income, and monthly housing payment.
  5. Review and Submit: Double-check all info, agree to the terms, and submit your application.
  6. Wait for a Decision: Most applicants receive a result in under a minute; some may take a few days.

What to Expect After You Apply

The process moves quickly once you submit your application for this card. Here’s what typically happens next:

  • Instant Decision (in most cases): Many applicants receive an approval or denial within seconds.
  • Further Review (if needed): Some applications may require manual review, which can take 7–10 business days.
  • Approval Notification: If approved, you'll get a confirmation by email or on-screen.
  • Card Delivery: Your physical card should arrive by mail within 7–10 business days.
  • Set Up Online Access: Once approved, you can create your Amex account and use your digital card immediately, if available.

Application Tips to Boost Approval

Want to improve your chances of getting approved for the Blue Cash Preferred® Card? 

These simple tips can help you apply with more confidence and fewer surprises:

  • Check Your Credit Score First: Aim for a score of 700 or higher to meet typical approval standards.
  • Reduce Existing Debt: Pay down balances on other cards to lower your credit utilization.
  • Avoid Recent Hard Inquiries: Too many recent credit checks can hurt your application.
  • Use Accurate Information: Ensure all personal and financial details match your credit report.
  • Show Steady Income: A consistent income stream improves your creditworthiness.
  • Apply When Your Finances Are Stable: Lenders favor applicants with reliable employment and payment history.

Fees and Interest Rates

Understanding the associated fees and interest rates is essential before applying for the Blue Cash Preferred® Card from American Express. 

Here's a concise breakdown:

  • Annual Fee: $0 for the first year, then $95 annually
  • Introductory APR: 0% on purchases and balance transfers for the first 12 months.
  • Regular APR: Variable rate between 20.24% and 29.24%, depending on creditworthiness.
  • Cash Advance APR: 29.49% variable.
  • Penalty APR: Up to 29.99% variable, which may apply after a late or returned payment.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to U.S. dollars
  • Late Payment Fee: Up to $40
  • Returned Payment Fee: Up to $40

What People Often Miss

Even if the Blue Cash Preferred® Card looks straightforward, there are a few details people tend to overlook. 

Knowing them upfront can help you avoid surprises and use the card more effectively.

  • Supermarket Cashback Limit: The 6% cashback on U.S. supermarkets only applies to the first $6,000 yearly purchases. After that, it drops to 1%.
  • No Cashback at Superstores: Stores like Walmart, Target, and wholesale clubs (e.g., Costco) don't count as supermarkets.
  • Streaming Cashback is Selective: Only eligible U.S. streaming subscriptions earn 6%. Some services may not qualify.
  • Cashback Comes as Statement Credit: You can't redeem for direct cash or transfer points—it's only credited to your balance.
  • Annual Fee Kicks In After Year One: The $0 intro fee only lasts the first year; then it’s $95 annually.
  • Foreign Transaction Fees Apply: A 2.7% fee is charged on purchases made outside the U.S.

Customer Support You Can Reach

American Express offers multiple contact options if you need help with your Blue Cash Preferred® Card. 

Whether you have questions about your application, billing, or account management, here’s how to reach them:

  • Customer Service (24/7): Call 1-800-528-4800.
  • Apply by Phone: Call 1-888-297-1244 (8 a.m.–11 p.m. EST, 7 days a week).
  • Check Application Status: Call 1-877-239-3491 (Mon–Fri, 8 a.m.–12 a.m. EST; Sat, 10 a.m.–6:30 p.m. EST).
  • TTY Support: Dial 711, then 1-800-528-4800 for hearing-impaired assistance.
  • Mailing Address for General Inquiries: American Express, P.O. Box 981535, El Paso, TX 79998-1535.
  • Secure Online Chat: Access your American Express account for real-time chat support.

Final Take — Is It Worth It?

The Blue Cash Preferred® Card offers substantial value if you spend heavily on groceries, streaming, and commuting. 

It’s a practical choice for everyday use with high cashback rates and valuable perks. 

Apply today on the American Express website and start earning rewards on your purchases.

Disclaimer

Rates, fees, and terms mentioned are subject to change and may vary based on your credit profile. 

Always review the official American Express website for the most up-to-date and accurate information before applying.

Last updated on May 7th, 2025 at 07:44 pm