Blue Cash Preferred Card Review 2026
Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not
Your card estimate
Net first-year value
First year
+$505
Base rewards + bonus - fee - interest drag
Ongoing year
+$205
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,800 in rewards.
SwitchWize take
Intro APR planning card
Bonus value
$300
Rewards
6% cash back
Annual fee
$95
APR
12mo 0%
Pros & cons
- Strong rewards rate (6%)
- Sign-up bonus worth $300
- 12-month 0% intro APR
- Annual fee: $95
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$95 annual fee
19.49%-28.49% variable
Spend requirement: $3,000 in purchases in the first 6 months
American Express terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
The intro window is 12 months. Plan the payoff before the standard APR starts.
The $95 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set