Cards
Cash BackAmEx
Blue Cash Preferred
Key facts
Annual fee$95/yr
Rewards currencyAmEx "Cashback"
Recommended creditGood credit (690+)
Current sign-up bonus
Up to $300 cash back after spending $3,000 in the first 6 months (offer varies by applicant)≈ $300 value
Reward rates
6% at US Supermarkets(up to $6,000/year)
6% US Select Streaming
3% Transit
3% US Gas Stations
1% on everything else
Annual credits
Disney Streaming$120
Effective annual costPays for itself
Purchase protections
Return Protection (Unconfirmed)
Return Protection: up to $300 per item (up to $1,000 per calendar year) if a merchant won't accept a return within 90 days of purchase. Note: Return protection was eliminated for most AmEx cards in 2020, but has been confirmed as still present on Blue Cash Preferred as of 2026 by Upgraded Points. [VERIFY via official Guide to Benefits]
Extended Warranty
Covered. Extended Warranty adds up to 1 additional year to the original manufacturer's warranty on eligible purchases with warranties of 5 years or less. Up to $10,000 per item, up to $50,000 per account per calendar year.
Purchase Protection
Covered. Purchase Protection covers eligible purchases against theft or accidental damage for 90 days from the purchase date. Up to $1,000 per covered purchase, up to $50,000 per eligible card per calendar year.
Other benefits
Annual Credits
Disney Streaming Credit: up to $120, resets Monthly.
Authorized User Fee
$0. Additional cardholders can be added at no annual fee.
Foreign Transaction Fee
2.7% foreign transaction fee on purchases made outside the U.S.
Secondary Rental Car
Covered (secondary in U.S., primary internationally). Car Rental Loss and Damage Insurance provides up to $50,000 per rental agreement for damage or theft of rental vehicles when the rental company's CDW is declined and the full rental is charged to the card. Rentals of 30 days or less. Not available for rentals in Australia, Italy, or New Zealand.
Primary Rental Car
None domestic. Rental car coverage is secondary in the U.S.
Welcome Bonus
Typically $250 statement credit after spending $3,000 on purchases within the first 6 months of account opening (exact offer varies; check current offer at time of application).
Earn Rates
6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%); 6% cash back on select U.S. streaming subscriptions (including Netflix, Hulu, Disney+, HBO Max, Peacock, Spotify, Apple Music, and others — no cap); 3% cash back at U.S. gas stations (no cap); 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses — no cap); 1% cash back on all other eligible purchases. Cash back received as Reward Dollars redeemable as a statement credit.
Best for
GroceriesStreamingTransitGas
Similar cards
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BMO Cash Back Credit CardBMO Bank N.A.
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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