American Express Blue Cash – How to apply

By Raquel Oliveira • 04/03/2025

American Express Blue Cash: 3% cashback at U.S. supermarkets, gas stations, and online retailers.

The American Express Blue Cash Card is an excellent choice for those looking to earn cashback on everyday spending, including groceries, gas, and online purchases.

Offered in two distinct versions—Blue Cash Preferred and Blue Cash Everyday—this card is designed to meet a variety of financial needs. Each option features unique cashback rates and benefits, allowing you to select the version that best matches your lifestyle and spending habits.

Accepted by millions of merchants around the globe, the Blue Cash Card provides a reliable and rewarding experience, whether you’re managing daily expenses, booking travel, or covering essential purchases.

In this guide, we’ll break down the card’s standout features, benefits, potential drawbacks, fee structure, and the application process—helping you determine whether it’s the right fit for your financial goals.

How Does the American Express Blue Cash Credit Card Work?

The American Express Blue Cash Credit Card operates on a cashback system, returning a percentage of each transaction as a statement credit rather than accumulating points for redemption. This makes it a straightforward way to save on everyday purchases.

There are two main versions of the card: Blue Cash Preferred, which offers higher cashback rates on select categories, and Blue Cash Everyday, which provides moderate cashback with no annual fee. Each version caters to different spending habits.

Cashback rewards apply to essential categories such as supermarkets, gas stations, and transit. The Blue Cash Preferred version expands its benefits to include streaming services and transit-related purchases, making it ideal for those who frequently spend in these areas.

Additionally, cardholders gain access to travel-related insurance, such as rental car protection and purchase security. The digital account management platform enhances the user experience by providing real-time spending insights.

Main Benefits of the American Express Blue Cash

• Earn 6% cashback on supermarket purchases, making it one of the best grocery rewards cards available.
• Enjoy 3% cashback on gas station and transit expenses, covering public transportation, ride-sharing, and parking.
• Get 6% cashback on select streaming services, including popular platforms like Netflix, Disney+, and Hulu.
• Access entertainment and travel perks through Amex Offers, exclusive event privileges, and special travel discounts.

Cons of the American Express Blue Cash

The Blue Cash Preferred version has a $95 annual fee after the first year, which could offset the rewards for occasional users.

The highest cashback rates are only available in specific spending categories, limiting benefits for those with varied expenses.

Requires a good to excellent credit score, making approval difficult for individuals with lower credit history.

General purchases outside of cashback categories earn lower rewards, reducing the overall benefit for those with diverse spending patterns.

APR and Fees

Understanding the fee structure is essential when choosing a credit card. Below are the key details regarding interest rates and associated costs:

• Variable purchase APR ranges between 19.24% and 29.99%, depending on creditworthiness.
• Balance transfer APR falls within the same range, requiring careful planning for debt consolidation.
• Cash advances incur an APR of up to 30.99%, making them a costly option for emergency funds.
• The Blue Cash Preferred version carries a $95 annual fee, while the Blue Cash Everyday version has no annual fee, catering to cost-conscious users.

How to Apply for the American Express Blue Cash

Applying for the American Express Blue Cash Card is a simple and convenient process that can be completed online.

• Visit the Official Website – Navigate to the American Express platform and locate the application section. Review details and select your preferred card version.
• Complete the Application Form – Enter personal and financial information, ensuring accuracy for a seamless approval process.
• Credit Evaluation – American Express assesses your credit score and financial history to determine eligibility, typically approving applicants with good to excellent credit.
• Card Delivery and Activation – Once approved, the card is mailed to the provided address. After receiving it, activate the card online or via the mobile app to start using it immediately.

Who Should Apply for the American Express Blue Cash?

This credit card is ideal for individuals who prioritize cashback rewards on essential purchases, particularly groceries, gas, and streaming services.

Frequent supermarket shoppers benefit from the Blue Cash Preferred version, as its 6% cashback rate maximizes savings on household essentials. This makes it one of the most rewarding grocery credit cards available.

Entertainment enthusiasts and travelers also find value in Amex Offers, exclusive event access, and travel-related purchase protection, enhancing their overall experience.

However, for those who prefer unrestricted cashback earnings across all categories, this card may not be the best fit. The category-based structure limits potential rewards for individuals with diverse spending habits.

Final Considerations of credit card

The American Express Blue Cash Credit Card is a powerful tool for earning cashback, providing some of the highest rates on groceries, streaming services, and transportation expenses. Its security features and convenience further enhance its value.

However, the category-based reward structure and the annual fee for the Blue Cash Preferred version require careful consideration. Those who do not maximize spending in the designated categories may find the card less beneficial.

Overall, this credit card offers a well-balanced mix of rewards, financial flexibility, and valuable perks. It is a great option for individuals who consistently spend on essential purchases and entertainment while looking to maximize their cashback earnings.

Apply today and redeem the benefits, enjoy all the rewards like Earn 6% cashback on supermarket purchases, making it one of the best grocery rewards cards available.