Introducing the Blue Cash Preferred Card: A Smart Choice for Savvy Shoppers
Are you in the market for a credit card that not only manages your daily expenses but also offers impressive cashback rewards? Look no further than the American Express Blue Cash Preferred Card. Designed for those who love earning while they spend, this card turns your regular shopping and bill payments into rewarding experiences.
- Introducing the Blue Cash Preferred Card: A Smart Choice for Savvy Shoppers
- Why Opt for the Blue Cash Preferred Card?
- Detailed Features of the Blue Cash Preferred Card
- Credit Score Requirement
- Key Benefits of the Blue Cash Preferred Card
- Points to Consider
- How to Apply for the Blue Cash Preferred Card
- Frequently Asked Questions: Get to Know the Blue Cash Preferred Card
Why Opt for the Blue Cash Preferred Card?
The Blue Cash Preferred Card from American Express is an excellent choice for frequent spenders at supermarkets and gas stations. It promises a lucrative 6% cashback at U.S. supermarkets and on select U.S. streaming services, applicable for up to $6,000 per year in purchases (then 1%).
Detailed Features of the Blue Cash Preferred Card
Generous Welcome Bonus
- Earn up to $400 in statement credits:
- Get $200 back on Amazon.com purchases in the first six months.
- Earn an additional $200 back on purchases over $3,000 within the same period.
- Note: Terms may vary. Check the latest offers.
APR Information
- Introductory APR: $0 for the initial 12 months.
- Standard APR: Variable 13.99% to 23.99%.
- Cash Advance APR: Set at 25.24%.
Fee Structure
- Introductory Annual Fee: None for the first year.
- Standard Annual Fee: $95.
- Penalties for Late/Returned Payments: Up to $40.
- Foreign Transaction Fee: 2.7%.
- Cash Advance Fee: Greater of $10 or 5% of the transaction.
Reward Program
- 6% cashback at U.S. supermarkets (up to $6,000 per year, then 1%).
- 6% back on selected U.S. streaming subscriptions.
- 3% on transit and U.S. gas station purchases.
- 1% on all other eligible purchases.
Credit Score Requirement
Ideal for individuals with a good to excellent credit score (690-850).
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Key Benefits of the Blue Cash Preferred Card
- Extensive insurance coverage for car rentals.
- Access to the Global Assist® Hotline.
- Exclusive card member experiences.
- Cutting-edge features like AmEx Send & Split™.
- Efficient online account management and spending summary.
Points to Consider
- Annual fee is applicable after the first year.
- Suitable for users with a good to excellent credit score.
- Some rewards have spending limits.
How to Apply for the Blue Cash Preferred Card
Eager to get this card? You can check your pre-qualification status on the Blue Cash Preferred’s official webpage. The application process is quick and straightforward, with the potential for an immediate decision.
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Frequently Asked Questions: Get to Know the Blue Cash Preferred Card
- What is the Blue Cash Preferred Card from American Express? The Blue Cash Preferred Card from American Express is a credit card offering lucrative cashback rewards on various categories of purchases, including supermarkets, streaming services, transit, and gas stations.
- What are the cashback rewards offered by this card? Cardholders earn 6% cashback at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% on select U.S. streaming subscriptions, 3% on transit (including taxis, rideshares, parking, tolls, trains, buses), 3% at U.S. gas stations, and 1% on other purchases.
- Is there a welcome bonus for new card members? Yes, new card members can earn a welcome bonus of up to $400 in statement credits, subject to certain terms and conditions.
- What is the annual fee for this card? The Blue Cash Preferred Card has an annual fee of $95, which is waived for the first year.
- What kind of credit score do I need to apply for this card? Applicants typically need a good to excellent credit score, ranging from 690 to 850, to qualify for this card.
- Does the card have any foreign transaction fees? Yes, the card charges a 2.7% foreign transaction fee on each transaction after conversion to U.S. dollars.
- Can I use this card for balance transfers? Balance transfers are allowed, though they are subject to a fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- Are there any additional benefits with this card? Additional benefits include car rental loss and damage insurance, a Global Assist® Hotline, exclusive card member experiences, and more.
- How do I apply for the Blue Cash Preferred Card? You can apply for this card online. Check for pre-qualification on the American Express website, and if eligible, you can proceed with the application process.
- What should I do if my card is lost or stolen? If your card is lost or stolen, you should immediately contact American Express customer service to report the incident and request a replacement card.
- Is there a penalty for late payments? Yes, late payments may incur a penalty fee of up to $40.
- Can I earn cashback rewards on all types of purchases? While you can earn cashback on most purchases, there are certain exclusions such as cash advances and purchases of cash equivalents. It’s best to review the cardmember agreement for detailed information.
- How do I redeem my cashback rewards? Cashback rewards are received in the form of reward dollars. You can redeem these as a statement credit by logging into your American Express account.
Feel free to reach out with any more questions you have about the Blue Cash Preferred Card from American Express!
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