Who it's for
Cash backMore rewards at grocery stores
Amex Blue Cash Preferred
Best grocery card on the market under $100 annual fee. A household spending $500/mo on U.S. groceries earns $360/yr in cash back from groceries alone — almost 4x the fee. The 3% transit category is often overlooked and stacks nicely for urban commuters.
$1,049/yrest. value at typical spending
$95annual fee
$120yearly credits
−$25fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 6x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 3x | $150/mo |
| Streaming | 6x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 6% cash back at U.S. supermarkets on first $6,000/year (then 1%)
- 6% on select U.S. streaming subscriptions (Disney+, Hulu, ESPN+, Netflix, Spotify, others)
- 3% on transit (taxis, rideshare, parking, tolls, trains, buses, ferries)
- 3% at U.S. gas stations
- 1% on everything else
- $120 Disney Bundle Streaming Credit — up to $10/mo back at DisneyPlus.com, Hulu.com, or Stream.ESPN.com (enrollment required)
- $0 intro annual fee for the first year, then $95
- 2.7% foreign transaction fee — not ideal for international travel
- Cash back received as Reward Dollars: redeem as statement credit or at Amazon.com checkout
Head-to-head
Similar cards
- Amex Blue Cash EverydayNo annual fee$1,072est. value/yr
- Amazon Prime VisaNo annual fee$799est. value/yr
- Capital One SavorNo annual fee$896est. value/yr
- Delta Gold$150 annual fee$1,141est. value/yr
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