The Blue Cash Preferred® Card by Amex offers attractive cashback benefits. You can apply online with ease and start enjoying rewards right away.
This article outlines the card’s features, application process, interest rates, and disclaimers. It helps you understand how to earn cashback and manage fees responsibly.
Key Features of the Blue Cash Preferred® Card
This section highlights the main features of the Blue Cash Preferred® Card by Amex. Learn about the welcome offer, cashback rewards, and annual fee structure.
Welcome Offer
The card currently offers a $300 cashback bonus when you spend $3,000 in the first six months. This welcome bonus is awarded as a statement credit, making it easy to redeem.
It’s a great incentive to start using the card for your everyday purchases. Remember that the offer may not be available if you navigate away from the application page.
Cashback Rewards
Cardholders can earn 6% cashback at U.S. supermarkets on up to $6,000 annually in purchases.
The card also offers 6% on select U.S. streaming subscriptions, giving you flexibility. You’ll earn 3% on transit, including taxis, ridesharing, parking, and tolls.
Additionally, the card offers 3% at U.S. gas stations and 1% on other purchases. These categories align with common household expenses. Maximizing your rewards is easy when you align spending with these categories.
Annual Fee
The Blue Cash Preferred® Card offers a $0 introductory annual fee for the first year. After the first year, the annual fee is $95.
This fee is offset by the potential rewards you can earn, especially if you use the card strategically. For many cardholders, the cashback savings outweigh the annual cost.
How to Apply Online?
Applying for the card online is simple and secure. Follow these steps to complete your application efficiently.
Step 1 – Visit the American Express Website
Start by visiting the official American Express website to ensure a secure application process. Avoid third-party websites that may not be authorized to collect your information.
The Amex website provides the most accurate and updated information about the card. Be prepared to provide your personal and financial details.
Step 2 – Start the Application
Begin by entering your full name, address, and Social Security number. You’ll also need to include your annual income and employment details.
Make sure all information is accurate and complete to avoid processing delays. This step helps Amex assess your eligibility and creditworthiness.
Step 3 – Review and Submit
Review your application thoroughly to ensure all details are correct. Inaccurate information could lead to delays or a denial.
Once everything is confirmed, apply. Some applicants may receive instant approval, while others may wait a few days.
Interest Rates and Fees
This section explains the interest rates and fees for the Blue Cash Preferred® Card. Understanding these details helps you manage your account responsibly.
Introductory APR
The card offers a 0% introductory APR on purchases and balance transfers for the first 12 months.
After that, a variable APR of 20.24% to 29.24% applies, depending on your creditworthiness.
This feature is useful for large purchases or transferring balances. However, always pay attention to the APR range and manage your balance wisely.
Cash Advance Fees and Rates
Cash advances carry a variable APR that’s higher than purchase rates. A fee typically applies to each cash advance transaction.
Using this feature responsibly avoids unnecessary interest charges. It’s best to reserve cash advances for emergencies only.
Late Payment and Penalties
A late payment fee of up to $40 may apply if your payment is received after the due date. Consistent on-time payments help you avoid this charge.
Additionally, late payments can negatively impact your credit score. Always set reminders or automatic payments to stay on track.
Benefits Beyond Cashback
This section highlights additional perks available to Blue Cash Preferred® Cardholders. These features add extra value to the card.
Disney Bundle Credit
Receive up to $84 in Disney Bundle Credit annually when you spend at least $9.99 each month on eligible subscriptions.
The credit is distributed as a $7 monthly statement credit. This perk makes it easier to enjoy streaming services like Disney+, Hulu, and ESPN+. It’s a valuable benefit for entertainment enthusiasts.
Amex Offers
Amex Offers provide targeted savings on dining, shopping, and travel. You can enroll and activate these offers through your Amex account.
Savings vary depending on the promotion, helping you earn even more rewards. Take advantage of these offers to enhance your savings potential.
Additional Perks
The card includes features like Global Assist® Hotline, which offers emergency assistance when traveling more than 100 miles from home.
You also get Car Rental Loss and Damage Insurance for eligible rentals. These perks provide extra peace of mind. Cardholders enjoy a well-rounded benefits package.
Disclaimer: Understanding disclaimers helps you make informed decisions. Rates and offers may change over time, and it’s recommended to visit the official website for the most updated information.
Contact Information
Having the right contact information ensures you get the support you need. Here’s how to reach American Express for assistance.
American Express Customer Service
Call 1-800-528-4800 for general questions or to manage your account. TTY/TDD users can dial 711 or 1-800-528-4800 for assistance. Service is available 24/7. Keep this information handy for any inquiries.
Payment and Billing
Pay your bill by phone at 1-800-472-9297. Alternatively, payments can be made online for convenience.
On-time payments help maintain your account in good standing. Managing payments responsibly avoids late fees.
Application Assistance
To apply for a new card, call 1-888-297-1244 between 8 am and 11 pm EST. Representatives can answer questions and guide you through the process.
You can also apply online using the secure application portal. Choose the method that works best for you.
Conclusion: Apply Now and Earn Cashback
The Blue Cash Preferred® Card by Amex offers generous cashback rewards and valuable perks. Applying online is easy and gives you access to great benefits.
Before applying, review the interest rates, fees, and disclaimers carefully. Make an informed choice to enjoy cashback savings on everyday spending.
