American Express · Personal card
Blue Cash Preferred Card from American Express
The Blue Cash Preferred Card from American Express has a $95 annual fee and one statement credit, worth up to $120 a year. The one Amex Blue Cash Preferred credit needs a one-time enrollment before any spending counts, and American Express will not apply it retroactively.
- Annual fee
- $95
- Charged on your account anniversary
- Credits a year
- Up to $120
- 1 statement credit, used in full
- Need enrollment
- 1 of 1
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time. American Express won't backdate enrollment, so enroll before you spend.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Monthly Disney Streaming creditEnroll first$10 a month. On the 1st of each month | $10 a month | On the 1st of each month | $120 |
| Total a year, if you use every credit | $120 |
What people get wrong
- Enrollment comes first. One benefit needs a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Amex Blue Cash Preferred
What is the annual fee on the Blue Cash Preferred Card from American Express?
$95 a year, charged each year on your account anniversary.
How much are the Amex Blue Cash Preferred credits worth?
Up to $120 a year, from one statement credit: Monthly Disney Streaming credit ($120).
Which Amex Blue Cash Preferred benefits need enrollment?
All one: Monthly Disney Streaming credit. Enroll before you spend, because American Express will not apply a credit retroactively.
When do the Amex Blue Cash Preferred credits reset?
Monthly credits reset on the 1st of each month. Unused credit does not roll over.
Is the Amex Blue Cash Preferred worth the $95 fee?
On credits alone, only if you use at least 80% of them. They add up to $120 a year against the $95 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
