AMEX Blue Cash Preferred Benefits and Perks Get You up to 6% Cash Back on Household Spending + Protection for Big Purchases

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AMEX Blue Cash Preferred Benefits and Perks Get You up to 6% Cash Back on Household Spending + Protection for Big Purchases

Harlan VaughnAMEX Blue Cash Preferred Benefits and Perks Get You up to 6% Cash Back on Household Spending + Protection for Big PurchasesMillion Mile Secrets Team

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The Blue Cash Preferred® Card from American Express is a cash back rewards card ideal for folks who spend a lot on groceries, gas, and at department stores.  In exchange for a $95 annual fee (See Rates & Fees), you’ll earn:

  • 6% cash back at US supermarkets (up to $6,000 in purchases per calendar year, then 1% cash back)
  • 3% cash back at US gas stations
  • 1% cash back on everything else
  • Terms Apply

You’ll also get other perks like free 2-day shipping with ShopRunner, secondary car insurance, and protections on purchases you charge to your card.  These are nice extras, especially if you don’t get them with other cards.  And having access to AMEX Offers sweetens the deal.

If you spend $500 per month at US supermarkets, you’ll earn $360 cash back in a year – and your 3% cash back earnings at US gas stations and select US department stores have NO limit.  Plus you’ll easily cover the annual fee!

The Biggest AMEX Blue Cash Preferred Card Perks and Benefits Include 6% Cash Back on up to $6,000 Spent per Year at US Supermarkets (Then 1%).  If You Buy a Lot of Groceries, Take a Look at What Else You Get!

I’ll review the AMEX Blue Cash Preferred benefits and perks!

AMEX Blue Cash Preferred Card Benefits and Perks

Apply Here:   Blue Cash Preferred® Card from American Express

Our review of the AMEX Blue Cash Preferred Card

When you open the AMEX Blue Cash Preferred card, you’ll earn a $200 statement credit after spending $1,000 on purchases in the first 3 months of account opening.

The card has a $95 annual fee (See Rates & Fees), and because of the cash back earning rates, it’s best for folks who prioritize rewards on their spending on groceries and gas.  That said, the welcome bonus covers the fee for a couple of years – and there are many other benefits.

Here’s what you get with this card.

6% and 3% Cash Back in Common Spending Categories

You’ll earn 6% cash back on up to $6,000 in spending per calendar year at US supermarkets (then 1%).

To earn the maximum 6% rewards, you’d need to spend $500 per month at US supermarkets, which is easy to do for most families.  And you’d earn $360 in cash back ($6,000 X 6%).

3% Cash Back Is Uncapped at US Gas Stations and Certain Department Stores

You’ll also earn 3% cash back at US gas stations and select US department stores, like:

  •   J.C. Penney
  •   Macy’s
  •   Saks Fifth Avenue
  •   Bloomingdale’s

If you have a long commute, or spend a lot on gas, this is a great return for a common household expense.  And department stores sell tons of stuff, like:

  • Clothes for school, including uniforms
  • Appliances
  • Bath & kitchen items
  • Cosmetics & jewelry
  • Purses, shoes, and professional attire

So earning cash back in these categories can add up quickly – and is by far the best benefit.  Here’s our full review of the AMEX Blue Cash Preferred.

Free 2-Day Shipping With ShopRunner

ShopRunner gets you free 2-day shipping (and returns) at 100+ online shops.  Membership normally costs $79 a year, but it’s a free perk with AMEX cards, including the AMEX Blue Cash Preferred.

Save $79 per Year on a ShopRunner Membership and Get 2-Day Shipping From 100+ Stores

There are popular stores on the list, and I’ve actually used this perk more often than I thought I would.  Getting your stuff a little faster is always nice, especially when it costs nothing extra.

Secondary Car Rental Insurance

When you decline the rental car agency’s rental coverage and charge the full amount of your reservation to your AMEX Blue Cash Preferred card, you’ll get secondary coverage for damage caused by collision or theft.

That means the coverage will kick in after you file a claim with your primary insurance company.  There are better credit cards for car rental insurance, but if you don’t have one of them, it’s good to have a backup.

Roadside Assistance

If you get a flat, run out of gas, lock your key in your car, or experience other driving-related mishaps, you can call the Roadside Assistance Hotline 24 hours a day.  AMEX will set you up with a provider to aid you.  Note this does NOT include help with rental cars.

You’ll pay for any services rendered.

Travel Accident Insurance Away From Home

When you use your AMEX Blue Cash Preferred card to pay for your trip, you can get travel accident insurance up to $100,000 in case you die or are injured in particular combinations.  Coverage extends to your spouse or partner, and any dependents under 23 years of age.

This Insurance Mostly Covers Injury to Your Hands, Feet, or Eyes, or Loss of Life

You’re protected when you travel on a common carrier (plane, train, ship, or bus).

Global Assist Hotline

When you travel 100+ miles from home, you can call a 24-hour hotline to assist with medical, legal, or financial needs like:

  • Access to emergency cash
  • Passport replacement
  • Missing luggage
  • Doctor clinics or services

You’ll be responsible for any costs incurred.

More Time on a Manufacturer’s Warranty

When you pay for certain items with your AMEX Blue Cash Preferred card, you can get up to 2 extra years added to an original manufacturer’s warranty of 5 years or less.

Did That Small Appliance Break Just After the Original Warranty Expired? Of Course It Did. But You Can Get up to 2 More Years Added Just by Paying With Your AMEX Card

This is an excellent benefit for big ticket items, like electronics or appliances (which you can also buy at department stores to earn 3% cash back!).  In total, you can get up to 7 years of warranty coverage.

Return Protection If the Store Won’t Take Something Back

If it’s been less than 90 days since you purchased an eligible item and the merchant won’t accept your return, you can file a claim for return protection and potentially get up to $300 per item, and $1,000 per calendar year.  This applies to purchases made in the US or its territories only.

Protection Against Theft and Accidents for Your Purchases

If an eligible item you bought with your card is accidentally damaged or stolen within 120 days of purchase, you can get coverage up to $1,000 per claim, and up to $50,000 per calendar year (for residents of New York, Indiana, Guam, Puerto Rico, and Northern Mariana Islands, you’re covered for 90 days).

Get up to $50,000 in Total Coverage Against Damage and Theft. Using This Perk Once Would Cover Your Annual Fee Many Times Over

This is a valuable perk, especially for expensive items.  That’s why we always recommend using a card with consumer protections.  Using this benefit even one time would make it worth the annual fee for potentially several years.  And if you don’t already have a card with purchase protection, AMEX cards are among the best.

Presale and Member-Only Events

AMEX cardmembers can get access to Broadway shows, concerts, family and sporting events, and more, through American Express Experiences.

It’s Worth Seeing If You Can Get Early Tickets to See Your Favorite Events Through AMEX Experiences

You can get ticket presales most often, and better seats here and there – sometimes both!  I’ve bought tickets through AMEX and always had a great time.  Definitely check out this perk if you like to attend events.

Access to AMEX Offers

One of the most underrated benefits of having an AMEX card is getting to add AMEX Offers to your card.  These are easy discounts and rebates you get for spending at a rotating list of popular merchants.

I’ve Saved Hundreds Over the Years With AMEX Offers

I use these often.  And if you do too, this perk can easily cover the annual fee on your AMEX Blue Cash Preferred card on its own – and the other benefits will be cash in your pocket!

Bottom Line

The AMEX Blue Cash Preferred card comes with a $200 statement credit after spending $1,000 on purchases in the first 3 months of account opening.  And you’ll also get access to these benefits:

  • 6% cash back at US supermarkets (up to $6,000 in purchases per calendar year, then 1% cash back)
  • 3% cash back at US gas stations
  • 1% cash back on everything else
  • Free ShopRunner membership for 2-day shipping at 100+ stores
  • Secondary car rental coverage, and other travel benefits
  • Return & purchase protections
  • Access to presales, events, and AMEX Offers
  • Terms Apply

For a $95 annual fee (See Rates & Fees), you can do well with this card, especially with the 6% and 3% cash back bonus categories.  Be sure to read our in-depth review of the AMEX Blue Cash Preferred.

You can apply for the AMEX Blue Cash Preferred card here.

For the rates and fees of The Blue Cash Preferred Card from American Express, please click here.

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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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