Is the Blue Cash Preferred Card from American Express worth $95/yr?
The honest math on the Blue Cash Preferred Card from American Express: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $95 annual fee.
American Express · $95 annual fee (New cardmembers get a $0 introductory annual fee for the first year, then $95. The calculator uses the standing $95 fee — the intro waiver is a first-year incentive, out of scope like other sign-up offers.) · cash back
Earning rates
- 6x US supermarkets (on up to $6,000/yr, then 1%)
- 6x Select US streaming subscriptions
- 3x US gas stations
- 3x Transit
- 1x Everything else
Statement credits (1)
- $120 Disney Streaming Credit — Up to $10/month back on subscription purchases (including bundle subscriptions) at DisneyPlus.com, Hulu.com, or Stream.ESPN.com US websites.
Protections and perks (4)
- Purchase Protection — New purchases covered 90 days against theft or accidental damage, up to $1,000 per purchase.
- Extended Warranty — Adds a year to eligible manufacturer warranties of 5 years or less.
- Return Protection — Up to $300 per item if a US merchant won't take back an eligible return within 90 days.
- Car Rental Loss and Damage Insurance — Secondary collision/theft coverage on rentals paid with the card when you decline the counter's CDW — pays after your personal auto policy.
Card data verified against American Express on 2026-08-20.
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