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Why My Favorite Card To Use At The Supermarket Is The Blue Cash Preferred® Card from American Express

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Why My Favorite Card To Use At The Supermarket Is The Blue Cash Preferred® Card from American Express

11/02/24 09:12 pm

While my wallet has a few credit cards, not all of them allow me to fully leverage rewards. However, the Blue Cash Preferred® Card from American Express has proven itself the exception and become an invaluable asset for my family. With a 6% cashback rate on the first $6,000 spent at U.S. supermarkets, we consistently max out that cap each year, making it our go-to card for grocery shopping. After reaching the $6,000 in supermarket spending, the cashback rate goes down to 1%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

 

This 6% rate effectively doubles what I earn from my other favorite no-annual-fee cards, like the Capital One Savor Cash Rewards Credit Card which offers 3% in this category and Blue Cash Everyday® Card from American Express, which offers 3% in the same category on the first $6,000 spent per year. The extra 3% cashback we earn over other cards means we’re making $180 on that $6,000. In the first year, the card offers a $0 intro annual fee, so you really make the full amount. In the following years, this not only covers the $95 annual fee but leaves us with an additional $85 in savings—an effortless boost to our budget. See rates & fees.

 

Once we hit that $6,000 mark on the Blue Cash Preferred® Card from American Express, I switch my grocery spending to my Capital One Savor Cash Rewards Credit Card. This card doesn’t have the same earning cap, allowing me to continue earning rewards without the stress of monitoring spending limits, unlike with the Blue Cash Everyday® Card from American Express. This flexibility makes it easy for us to maximize rewards on our everyday purchases.

 

Why We Love the Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express has become an integral part of our family wallet. Here are a few reasons why we love it:

  • Generous Cashback Rates: The ability to earn 6% at U.S. supermarkets means we can earn up to $360 in cashback each year. This amount more than covers the card’s annual fee, making it a no-brainer for our family.

  • Additional Rewards: We also enjoy 6% cashback on select U.S. streaming service, 3% at U.S. gas stations and on transit, 1% on all other purchases. This means we’re earning rewards on other essential spending, making our overall cashback even more substantial.

  • Introductory Offer: The initial $250 statement credit after spending $3,000 in the first 6 months was a fantastic bonus that helped us get started on the right foot.

 

Conclusion

For our family, the Blue Cash Preferred® Card from American Express is more than just a credit card; it’s a tool that helps us maximize our grocery budget while earning substantial rewards. If you're looking to make the most of your spending, I highly recommend giving this card a try!

 

Disclaimer: Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.



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