Blue Cash Preferred Card from American Express
Picture a normal month: two or three grocery runs adding up to somewhere around $400 to $500, a couple of fill-ups at the gas station, maybe a streaming subscription already sitting on your card.
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On this card, that same ordinary month pays back 6% at the supermarket, 6% on streaming, and 3% at the pump, instead of the flat 1% or 2% most cards give you no matter what you buy.
| Detail | What it means |
|---|---|
| Supermarkets | 6%, up to $6,000/year, then 1% |
| Streaming subscriptions | 6% |
| Gas stations and transit | 3% |
| Everything else | 1% |
| Annual fee | $0 first year, $95 after |
| Credit score recommended | Good to excellent, approximately 670 or higher |
Where the math changes: the 6% grocery rate caps at $6,000 a year, about $500 a month. If your grocery runs already sit under that, and for most households they do, you're earning the full rate on everything you buy there, not just part of it.
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See other cardsIs 670 Realistic From Here?
You're already spending on groceries and gas either way, that part doesn't change. The only question is whether the account covering those purchases could be paying you back for them. If your score is already in the high 600s, this card is close, not far off. If it's lower, the path is the same one that gets any score up: pay on time, every time, and keep your balance well under your limit on the card you have now. Most people who do that consistently see their score move within 6 to 12 months.
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