Welcome Offer: $250 Cash Back
[For spending $3,000 in the first 6 months of having the AMEX Blue Cash Preferred Card]

Annual Fee: $0 for the first year, then $95

  Apply Here


The Best Card for Groceries & Streaming

Benefits: Disney+ Streaming Bundle & Equinox+ Credits
Earning Per $ Spent: (Percent of Cash Back)

Get it if: You Spend a lot on groceries (i.e. buy for 3-4+ people)
Recommended Credit: 690+ credit score & 1+ year of credit history

 

  Points Nerds Rating: ⭐⭐⭐⭐

Key Annual Benefits

Benefits Details

$84 Disney+ Bundle Credit 

$120 Equinox+ Credit — Mostly Useless for the Majority of People

Other Things to Note: Card doesn't earn AMEX Membership Rewards Points / 2.7% FTX Fee if used outside the U.S. 


Is the AMEX Blue Cash Preferred Card Worth it?

The biggest draw of the AMEX BCP Card is the 6% grocery bonus (up to $6,000 in grocery spending).
As a result, it's worth paying the $95 annual fee if you spend $250 to $500 on groceries per month.
If you spend more than $500 or less than $250 on groceries, consider:
For Cash Back:
➡️ Capital One SavorOne [3% on Groceries, Dining, Streaming, Entertainment. $0 Annual Fee]
➡️ American Express Blue Cash Everyday [3% on Groceries, Online Retailers, Gas. $0 Annual Fee]
For Travel Rewards:
➡️ American Express Gold Card: [4x AMEX Points on Dining/Groceries (worth 6-8%) and 3x on Flights]

Cash back can be redeemed with no minimums, and only the 3% grocery bonus has an earning cap. 

If you want to earn on heavy grocery, streaming, and transit spend, the BCP is a solid option

The Blue Cash Preferred pairs well with cards that earn well on dining and travel, such as:
➡️ Bilt Mastercard: [3x Bilt Points on Dining (worth 4-6% back) and 2x on Travel]
➡️ American Express Gold Card (as seen above): [4x AMEX Points on Dining and 3x on Flights]

The card is a solid option as a 2nd or 3rd card, as it's of medium difficulty to get approved for. 

Stack Disney Plus Bundle credits
with Rakuten Offers
for even more Cash Back!