Blue Cash Preferred Card from American Express

American Express · US

Sign-up bonus

$200 cash back

Annual fee

$0 first year, then $95

Purchase APR

19.49–28.49% (varies by applicant)

Cash advance APR

28.74%

Intro purchase APR

0% for 12 months

Intro balance-transfer APR

0% for 12 months

Penalty APR

29.99%

FX markup

2.7%

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-08-23

How to earn it

Spend $3,000 · within 6 months

Tracked since 2026-07-21 (7 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.