Editors' pick
AMERICAN EXPRESS
Blue Cash Preferred
The Amex Blue Cash Preferred offers one of the highest cash back rates on U.S. supermarket spend of any credit card — 6% on up to $6,000 per year — plus 6% on select streaming, 3% on gas and transit, and 1% elsewhere. A must-consider for grocery-heavy households.
Updated July 2026Best for: Households spending $300+/month on groceries and streaming.
American Express
Blue Cash Preferred
•••• •••• •••• 2026
Cashback callout
6%
Top cash back rate
U.S. supermarkets (up to $6k/yr)
$250
Bonus
$95
Annual fee
19.24–29.99% variable
APR
Welcome bonus: Statement credit after spending $3,000 in first 6 months. Intro: 0% intro APR on purchases for 12 months.
Every category, every rate.
| Category | Rate | Notes |
|---|---|---|
| U.S. supermarkets | 6% | On first $6,000/year, then 1% |
| Select U.S. streaming | 6% | — |
| U.S. gas & transit | 3% | — |
| All other purchases | 1% | — |
Pros
- +Best-in-class 6% on U.S. supermarkets
- +6% back on popular streaming services
- +Solid welcome bonus and intro APR
Cons
- −$95 annual fee (after year one)
- −$6,000/year cap on 6% grocery category
- −1% base rate outside bonus categories
The fine print.
- Annual fee: $95
- Purchase APR: 19.24%–29.99% variable
- Intro APR: 0% on purchases for 12 months from account opening
- Foreign transaction fee: 2.7%
Rates, fees and offer terms shown are illustrative and change frequently. Always confirm current terms on the issuer's site before applying.
If groceries dominate your budget, few cards return more real cash. Just watch the $6k cap and 1% base rate on non-bonus spend.