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Annual Fee$95
APR19.24% - 29.99%
Sign-up Bonus$350 statement credit~$350 value
Rewards6% at U.S. supermarkets (up to $6K/yr)
Credit Scoregood
Foreign FeesYes (3%)
+ Pros
- ✓Highest grocery cash back rate (6%)
- ✓6% on streaming services
- ✓$350 bonus
− Cons
- ✗$95 annual fee
- ✗$6K/yr cap on grocery 6%
- ✗2.7% foreign transaction fee
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| U.S. Supermarkets | 6% (up to $6K/yr) | $500/mo | $360 |
| Select Streaming | 6% | $50/mo | $36 |
| U.S. Gas Stations | 3% | $150/mo | $54 |
| Transit | 3% | $100/mo | $36 |
| All Other | 1% | $800/mo | $96 |
| Total Estimated Annual Rewards | $582 | ||
Perks & Credits
Up to $360/yr
6% Grocery Cash Back
6% at U.S. supermarkets on the first $6,000/year in purchases (then 1%). Does not include Walmart, Target, or warehouse clubs.
~$36/yr
6% Streaming
6% back on select U.S. streaming subscriptions: Netflix, Disney+, Hulu, HBO Max, ESPN+, Peacock, and more.
~$90/yr
3% Gas & Transit
3% back at U.S. gas stations and transit (rideshare, taxis, trains, buses, tolls, parking).
Purchases + Transfers
12-Month 0% Intro APR
0% APR on purchases and balance transfers for 12 months.
Up to $300
Return Protection
If a store won't take a return within 90 days, Amex may refund the purchase.
CFPB Consumer Complaints(Last 12 months)
4,798Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Families spending $300-500/month on groceries — at 6% back, a $500/month grocery bill earns $360/year, easily justifying the $95 fee.
- →Streaming subscribers with $40-60/month in services — 6% on Netflix, Disney+, Hulu, and more adds up to $30-40/year in extra cash back.
- →Commuters spending on gas and transit — 3% on gas and rideshare captures another common expense category.
Who Should Skip This Card
- →Shoppers who buy groceries at Walmart, Target, or Costco — these don't code as supermarkets and earn only 1%.
- →People spending under $250/month on groceries — at that level, the 6% rate earns only $180/yr, barely covering the $95 fee.
- →International travelers — the 2.7% foreign transaction fee makes this a poor choice abroad.
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Blue Cash Preferred Card from American Express (this card) | $95 | 6% | 4.4/5 |
| American Express Gold CardBest for Dining & Groceries | $325 | 4X | 4.8/5 |
| Citi Double Cash CardBest No-Fee Cashback Card | $0 | 2% | 4.5/5 |
| Chase Freedom UnlimitedBest No-Fee Card with Category Bonuses | $0 | 1.5% | 4.5/5 |
Frequently Asked Questions
Blue Cash Preferred Card from American Express
Best for Groceries
Apply NowSee our affiliate disclosure.
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Last updated: 2026-03-30