How to Finance a Car in the U.S. with Bad or No Credit
When it comes to everyday expenses, groceries are a significant part of most households’ monthly budgets. Imagine if you could turn those necessary purchases into rewards. With the American Express Blue Cash Preferred® Card, you can earn an impressive 6% cash back on U.S. supermarket purchases, making it one of the most rewarding cash back credit cards available today. This article will walk you through the benefits, eligibility, fees, and how to use this card to maximize your savings.
The Amex Blue Cash Preferred® Card stands out because of its generous 6% cash back on groceries at U.S. supermarkets (up to $6,000 per year, then 1%). This rate is among the highest available for a cash back card in this category. Whether you’re shopping at national chains or local grocery stores, this card helps you turn your spending into valuable rewards.
Additionally, the card offers 3% cash back at U.S. gas stations and on transit (including taxis, rideshare, parking, tolls, trains, and buses), plus 1% cash back on other purchases. These rates make it an excellent choice for families and individuals who spend heavily on groceries and commuting.
To qualify for the 6% cash back at supermarkets, you need to use your Blue Cash Preferred® at eligible U.S. supermarkets. This includes most major grocery chains like Kroger, Safeway, Whole Foods, and similar stores. However, warehouse clubs like Costco, superstores like Walmart and Target, and specialty stores may not qualify for the 6% rate.
It’s important to review American Express’s list of eligible merchants and plan your grocery shopping accordingly. By doing so, you can maximize your cash back earnings every month and make sure your purchases count toward the 6% reward rate.
Beyond the 6% cash back at U.S. supermarkets, the Blue Cash Preferred® Card offers a range of valuable features:
These features, combined with the impressive cash back rates, make this card ideal for everyday spending.
The American Express Blue Cash Preferred® Card comes with an annual fee, currently around $95 (check the latest rates on the official Amex site as they can change). While some may hesitate at the annual fee, for most cardholders who spend regularly at U.S. supermarkets, the cash back rewards easily offset this cost.
Consider this: If you spend $500 a month on groceries, that’s $6,000 per year. At 6% cash back, you’d earn $360 per year—far exceeding the annual fee. There are no foreign transaction fees, making it a good option for domestic use but also usable abroad if needed.
Cash back with the Blue Cash Preferred® Card is automatically applied as a statement credit on your account. This means your rewards go directly toward reducing your monthly bill, helping you lower your out-of-pocket expenses without having to manage points or miles.
You can monitor your earnings and redemption activity through the American Express app or website. With no complex redemption categories, the Blue Cash Preferred® keeps things simple for those who want direct savings.
To make the most of the Amex Blue Cash Preferred® Card, consider these strategies:
By following these tips, you can maximize your rewards and make your grocery spending work harder for you.
The American Express Blue Cash Preferred® Card is one of the best options for anyone who wants to earn high cash back rewards on groceries and other everyday purchases. While it does have an annual fee, the potential savings, particularly at U.S. supermarkets, can far outweigh that cost.
Whether you’re feeding a family or stocking up for yourself, this card helps you save money on the things you already buy. Consider applying today to start earning 6% cash back on groceries and make your spending more rewarding.
