Earn 6% Cash Back on Groceries With the Amex Blue Cash Preferred Card

Motley Fool
07-01

Grocery shopping is one of the few expenses we can't skip. According to WalletHub, the average monthly grocery bill for two people is about $557. That adds up to nearly $6,700 a year.

Now imagine earning 6% cash back on most of that spend. With the Blue Cash Preferred® Card from American Express, you can do exactly that -- on up to $6,000 in annual U.S. supermarket purchases. (American Express is a Motley Fool Money advertiser.)

That's a potential $360 back every year, just for buying your normal groceries. Here are all the card deets:

Ratings Methodology
2025 Award Winner

Blue Cash Preferred® Card from American Express

Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees

Rating image, 4.80 out of 5 stars.
4.80/5Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.80 out of 5 stars.
4.80/5Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score:Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Blue Cash Preferred® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees

Credit ScoreCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0% on purchases, 12 months

Balance Transfers: 0%, 12 months

APR

20.24%-29.24% Variable

RewardsCircle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-6% Cash Back

Annual Fee

$0 intro annual fee for the first year, then $95.

Welcome OfferCircle with letter I in it. Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

  • This card is a smart choice for earning top-tier rewards on everyday purchases. It features a market-leading rate of a whopping 6% cash back at U.S. supermarkets (on up to $6,000 per year), 6% on select U.S. streaming services, and 3% on U.S. gas and transit. Plus, there’s a strong welcome offer: Earn a $250 statement credit after spending $3,000 in the first 6 months. With 0% intro APR on purchases and balance transfers for the first 12 months and $0 annual fee for the first year (then $95), it’s one of our favorite credit cards for a reason. Terms apply.

    Read Full Review
    • Big welcome offer
    • U.S. supermarkets rewards
    • U.S. gas stations rewards
    • Streaming subscription rewards
    • Annual fee
    • Foreign transaction fee
    • Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
    • $0 intro annual fee for the first year, then $95.
    • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
    • Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
    • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on select U.S. streaming subscriptions.
    • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
    • 1% Cash Back on other purchases.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
    • Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
    • Terms Apply.

Earn 6% cash back on groceries

This is one of the best cards for grocery rewards available today. You'll earn 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases) and select U.S. streaming subscriptions. Terms apply. That cap resets every calendar year.

So if you're spending around the national average of $557/month, you'd hit the $6,000 cap in under 11 months. That unlocks the maximum $360 in annual grocery rewards.

Here's a quick chart showing potential cash back at different monthly spending amounts:

Monthly Spend Annual Spend Cash Back
$250 $3,000 $180
$400 $4,800 $288
$500 $6,000 $360
Data source: Author's calculations.

Important: Purchases at Target, Walmart, and other superstores don't count toward the 6% grocery category. So beware if you do all your grocery shopping at these places!

For my household (two adults, two kids), we are starting to pass $1,000 per month in grocery spend. But even for single spenders, it's not too hard to spend $100 at the grocery store each week, which would mean about $300 in cash back a year.

If you don't have a good rewards card for groceries right now, it's time to get one. Apply today and start earning up to 6% cash back today with the Amex Blue Cash Preferred.

Extra perks beyond groceries

Groceries are just the beginning of cash back opportunities. Here's the full lineup of earning opportunities for the Amex Blue Cash Preferred:

  • 6% cash back on U.S. supermarkets (up to $6,000 per year in purchases) and select U.S. streaming subscriptions
  • 3% cash back on U.S. gas stations and transit (including taxis/rideshare, parking, tolls, trains, buses and more)
  • 1% cash back on other purchases
  • Terms apply

Gas station cash back can be a pretty major perk for all you road warriors out there. When my wife and I drive to Montana each summer, we drop about $600 on gas for the trip. This would earn us about $18 back -- enough to pay for five Redbulls to keep us awake at the wheel.

The Amex Blue Cash Preferred has a $0 intro annual fee for the first year, then $95. (See rates and fees.) But if you max out the grocery cash back alone, you're coming out well ahead.

A sweet $250 welcome offer, too!

Right now, the Amex Blue Cash Preferred includes a $250 welcome offer after you spend $3,000 on purchases in the first 6 months. Terms apply.

It's worth noting that card welcome offers like this can change at any time with short notice. So if you've been waiting for a good reason to upgrade your grocery rewards game, this is probably it.

Is this card right for you?

The Amex Blue Cash Preferred is a great fit if you spend a lot on groceries and streaming services.

It's especially valuable for families that can easily hit the $6,000 annual grocery cap, plus have a higher than usual spend at gas stations. Just be sure to pay your balance in full each month to avoid interest charges.

Apply for the Blue Cash Preferred® Card from American Express today and start earning up to $360/year on groceries. And score that welcome bonus while you're at it!

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