Blue Cash Preferred® Card from American Express Rewards Calculator
On a typical $2,400/month spending mix, the Blue Cash Preferred® Card from American Express earns about $622 a year — an effective 2.16% back. Its annual fee is $95.
Rate caveats: caps apply: up to $6,000/yr.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 6x | $158 |
| Dining | $140 | 1x | $17 |
| Travel | $70 | 1x | $8 |
| Gas & transit | $100 | 3x | $36 |
| Online shopping | $120 | 1x | $14 |
| Streaming | $20 | 6x | $14 |
| Everything else | $530 | 1x | $64 |
| Total | $1,200 | 2.17% | $312 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 6x | $310 |
| Dining | $290 | 1x | $35 |
| Travel | $140 | 1x | $17 |
| Gas & transit | $190 | 3x | $68 |
| Online shopping | $240 | 1x | $29 |
| Streaming | $50 | 6x | $36 |
| Everything else | $1,060 | 1x | $127 |
| Total | $2,400 | 2.16% | $622 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 6x | $583 |
| Dining | $540 | 1x | $65 |
| Travel | $270 | 1x | $32 |
| Gas & transit | $360 | 3x | $130 |
| Online shopping | $450 | 1x | $54 |
| Streaming | $90 | 6x | $65 |
| Everything else | $1,980 | 1x | $238 |
| Total | $4,500 | 2.16% | $1,166 |
First-year value
$622 rewards + $350 welcome bonus (350 dollars, as of July 2026) − $95 fee = $877
Wondering if the $95 fee pays for itself? See the breakeven math.
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $622/yr with the Blue Cash Preferred® Card from American Express (2.16% back)
How it stacks up in cash back
- Blue Cash Preferred® Card from American Express: $622/yr
- Robinhood Gold Card : $864/yr on the same spending
- Alliant Cashback Visa® Signature Card : $720/yr on the same spending
- Citi Double Cash® Card : $576/yr on the same spending
Source: 67.credit, “Blue Cash Preferred® Card from American Express Rewards Calculator”, rates verified 2026-05-12 — 67.credit/card/blue-cash-preferred/calculator