Blue Cash Preferred® Card from American Express: annual fee, APR and rewards

Fact sheet for the Blue Cash Preferred® Card from American Express, issued by American Express, with a $95 annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	American Express
Network	American Express
Annual fee	$95 a year
Fee waiver	$0 intro annual fee for the first year, then $95
Rewards	Cashback: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 6% on select U.S. streaming subscriptions; 3% on transit (taxis, rideshare, parking, tolls, trains, buses and more); 3% at U.S. gas stations; 1% on other eligible purchases
Purchase APR	19.74% to 28.74%, based on your creditworthiness and other factors as determined at the time of account opening (variable, Prime Rate)
Intro APR	0% introductory APR for the first 12 months from the date of account opening on purchases and on balance transfers requested within 60 days of account opening
Balance transfer fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Sign-up bonus	As High As $300 Cash Back Welcome Offer: Amex tells you the exact amount (as high as $300) after you apply and before you accept the Card; earn it after $3,000 in eligible purchases within your first 6 months of Card Membership
Foreign transaction fee	2.7% of each transaction
Credit level	Excellent (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 27.24%, with a range of 18.24% to 29.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.