American Express
Blue Cash Preferred
What it is
The Blue Cash Preferred is an American Express card earning cash back. It's mainly a sign-up-bonus play: earn the bonus, then keep or close. A grocery-and-streaming cashback keeper (6% at U.S. supermarkets), not really a churn play — the bonus is modest. Worth holding past year one only if your everyday spend uses the categories.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | $300$3k · 180d | $300 | $348 | 10% | Jun ’26 |
PUBLIC | $300$3k · 180d | $300 | $300 | 10% | Mar ’23 |
PUBLIC ATH | $350$3k · 180d | $350 | $350 | 12% | Jun ’22 |
What you get
- Disney bundle credit$120per year
$10/mo ($120/yr) on a Disney+/Hulu/ESPN subscription. Only valuable if subscribed.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| SUB value | +$300 |
| $300 cashback (face value) | |
| Ongoing benefits (yr 1) | +$48 |
Disney bundle credit($10/mo × 40%) Disney bundle credit $10/mo × 40% $48 | |
| Annual fee | $0 |
| Year 1 | $348 |
| Return on $3k MSR | 10% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Blue Cash Preferred scores 34 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →